2014 BMW Z4 Insurance Rates
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UPDATED: Dec 7, 2021
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Average insurance rates for a 2014 BMW Z4 are $1,330 a year for full coverage. Comprehensive costs approximately $290 a year, collision costs $516, and liability coverage costs around $388. Buying a liability-only policy costs as low as $434 a year, with high-risk insurance costing around $2,880. Teenage drivers receive the highest rates at $4,924 a year or more.
Annual premium for full coverage: $1,330
Rate estimates for 2014 BMW Z4 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 BMW Z4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $434 for only liability insurance to a high of $2,880 for a high risk driver.
These differences show why it is important for drivers to compare prices using their specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2014 BMW Z4 Insurance
Trying to find cheaper auto insurance rates? Buyers have lots of choices when searching for the best price on BMW Z4 insurance. They can either waste time struggling with agents to compare prices or save time using the internet to make rate comparisons.
There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to quote coverages for a new or used BMW and locate the best price possible either online or from local insurance agents.
Consumers should take time to do rate comparisons on a regular basis since insurance rates change quite often. Just because you found the lowest price for Z4 insurance two years ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance online, so with this article, you’re going to get some excellent ideas to buy auto insurance cheaper.
Quick Auto Insurance Quotes
There are several ways to compare BMW Z4 auto insurance quotes, and some are more efficient than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.
Most of the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote. This saves time by eliminating form submissions to every company.
To access this free quoting program, click to open in new window.
It’s up to you which method you use, but make absolute certain that you use identical coverages and limits for each comparison quote. If you compare different deductibles it will be next to impossible to determine the best price for your BMW Z4.
But I don’t know anything about car insurance
When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.
- Is extra glass coverage worth it?
- Will my insurance pay for OEM parts?
- Do I pay less if my vehicle is kept in my garage?
- What is roadside assistance coverage?
- What discounts do I qualify for?
- Does my 2014 BMW Z4 qualify for pleasure use?
- What is PIP insurance?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.
Car insurance coverage breakdown
Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for pain medications, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from getting keyed, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2014 BMW Z4.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability coverage – Liability insurance protects you from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like repair costs for stationary objects, medical services, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.
Collision – This coverage pays for damage to your Z4 resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.
Rates by U.S. City
|New York City, NY||$2,100|
|Los Angeles, CA||$2,274|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$99|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.