BMW Z4 Insurance Rates
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UPDATED: May 18, 2024
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Is insurance expensive for a BMW Z4 compared to other vehicles? Whether you are shopping for 2020 or 2003 BMW Z4 insurance costs, average rates will be around $1,530 a year or $127 a month. Read on to learn more about the BMW Z4 cost of insurance and how to save.
To find the best BMW Z4 insurance rates in your area, enter your ZIP code in our free tool above to get BMW Z4 insurance quotes.
Estimated insurance prices for a BMW Z4 are $994 every 12 months with full coverage. Comprehensive costs around $194 a year, collision insurance costs $262, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs around $2,130. Teens pay the most at up to $3,850 a year.
Average premium for full coverage: $994
Premium estimates for type of coverage:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Z4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW Z4 range from the cheapest price of $446 for the bare minimum liability coverage to a high of $2,130 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details average BMW Z4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $594
- Using higher $1,000 deductibles will save about $890 annually
- The average price for a 40-year-old good driver using $500 deductibles is $994
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,190
- Drivers with serious driving violations could pay at least $2,130
- An auto insurance policy to insure a teen driver can be $3,850 or more
Auto insurance prices for a BMW Z4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,200 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on BMW Z4 insurance rates. A driver around age 40 might see prices as low as $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,340 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $896 | -$98 | -9.9% |
| Alaska | $760 | -$234 | -23.5% |
| Arizona | $822 | -$172 | -17.3% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,130 | $136 | 13.7% |
| Colorado | $946 | -$48 | -4.8% |
| Connecticut | $1,018 | $24 | 2.4% |
| Delaware | $1,120 | $126 | 12.7% |
| Florida | $1,238 | $244 | 24.5% |
| Georgia | $918 | -$76 | -7.6% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $738 | -$256 | -25.8% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $942 | -$52 | -5.2% |
| Kentucky | $1,352 | $358 | 36.0% |
| Louisiana | $1,468 | $474 | 47.7% |
| Maine | $614 | -$380 | -38.2% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $790 | -$204 | -20.5% |
| Michigan | $1,722 | $728 | 73.2% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,188 | $194 | 19.5% |
| Missouri | $880 | -$114 | -11.5% |
| Montana | $1,064 | $70 | 7.0% |
| Nebraska | $780 | -$214 | -21.5% |
| Nevada | $1,190 | $196 | 19.7% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,110 | $116 | 11.7% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,044 | $50 | 5.0% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $684 | -$310 | -31.2% |
| Oklahoma | $1,016 | $22 | 2.2% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,322 | $328 | 33.0% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $868 | -$126 | -12.7% |
| Texas | $1,196 | $202 | 20.3% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $676 | -$318 | -32.0% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $766 | -$228 | -22.9% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $684 | -$310 | -31.2% |
| Wyoming | $882 | -$112 | -11.3% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $974 | $81 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $994 | $83 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 BMW Z4 | $290 | $516 | $388 | $1,330 |
| 2018 BMW Z4 | $278 | $464 | $390 | $1,268 |
| 2016 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2015 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2014 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2013 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2012 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2011 BMW Z4 | $194 | $262 | $402 | $994 |
| 2010 BMW Z4 | $188 | $234 | $398 | $956 |
| 2006 BMW Z4 | $160 | $198 | $376 | $870 |
Rates are averaged for all BMW Z4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right BMW Z4 Insurance
Finding better rates on BMW Z4 insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates once a year by requesting rates from direct companies, and also from several local insurance agents.
Below is a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save up to $110 per year just by quoting early and online
- Drivers who may need higher levels of liability will pay approximately $440 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are expensive to insure, possibly costing $321 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay on average $1,140 more every year for auto insurance
The best way to reduce your BMW Z4 insurance costs is to get quotes. To find out how much is a BMW Z4 to insure in your area and save on BMW Z4 insurance prices, use our free tool below.
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What are the safety ratings of the BMW Z4?
Some of the standard safety features on the BMW Z4 are a rearview camera, lane departure warning, and blind-spot monitoring, which is great. Advanced safety features like these can help reduce the risk of a crash, improving BMW Z4 safety ratings.
However, the Insurance Institute of Highway Safety (IIHS) has not crash-tested the BMW Z4. This means insurers will base rates on the BMW Z4 old claim records. If a vehicle has a history of crashes and claims, this means the vehicle will have higher rates.
BMW Z4 Compared Against Other Vehicles in the Same Class
The BMW Z4 is a luxury vehicle. Because owners of these vehicles are more likely to speed due to the powerful engines in luxury vehicles, the BMW Z4’s liability rates will be slightly higher than a non-luxury vehicle. Take a look at the list of luxury vehicles below to see how the price of BMW Z4 insurance rates compares.
Ready to find savings for your BMW Z4? To find out how much does a BMW Z4 cost to insure in your area and find the best rates, use our free rate comparison tool.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,850 |
| 20 | $2,256 |
| 30 | $1,018 |
| 40 | $994 |
| 50 | $910 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,190 |
| $250 | $1,100 |
| $500 | $994 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,074 |
| 100/300 | $1,175 |
| 250/500 | $1,436 |
| 100 CSL | $1,115 |
| 300 CSL | $1,336 |
| 500 CSL | $1,497 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,450 |
| 20 | $3,592 |
| 30 | $2,160 |
| 40 | $2,130 |
| 50 | $2,032 |
| 60 | $2,012 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $400 |
Discounts are estimated and may not be available from every company or in every state.
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