2015 BMW Z4 Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 2015 BMW Z4 are $1,370 a year for full coverage. Comprehensive costs on average $302, collision insurance costs $548, and liability insurance costs $384. Buying a liability-only policy costs as little as $432 a year, and high-risk insurance costs around $2,972. Teen drivers receive the highest rates at up to $5,050 a year.
Annual premium for full coverage: $1,370
Rate estimates for 2015 BMW Z4 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 driver in their 40's, prices range range from as low as $432 for just liability insurance to the much higher price of $2,972 for a driver who has had serious violations or accidents.
These differences show why everyone should compare rates based on a specific location and risk profile, rather than relying on price averages.
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 2015 BMW Z4 Insurance
Searching for better insurance coverage rates for your BMW Z4? Having to pay for overpriced BMW Z4 insurance can overdraw your checking account and make it impossible to make ends meet. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.
Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a company and get the definite best rates possible.
There are a variety of methods to compare 2015 BMW Z4 insurance prices but there is one way that is easier and takes less work. You could waste a few hours driving to agents in your area, or you can stay home and use online quotes to achieve your goal.
Many popular insurance companies enroll in a system where prospective buyers submit one quote, and at least one company then gives them pricing. This prevents consumers from doing form submissions to each individual insurance company. To compare 2015 BMW Z4 rates using this form now click here (opens in new window).
The only drawback to pricing coverage this way is you don’t know exactly which carriers you want to price. If you prefer to choose specific providers to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits for every company. If your comparisons have different deductibles it will be impossible to make a fair comparison for your BMW Z4. Just a small difference in coverages can result in a big premium difference. It’s important to know that obtaining a wide range of quotes will improve the odds of getting the best rates.
Don’t pay full price with these discounts
Insurance can be prohibitively expensive, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you purchase, but some may not be applied and must be specially asked for prior to getting the savings.
- No Accidents – Good drivers with no accidents pay less when compared with drivers who are more careless.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Z4 insurance than drivers with accidents.
- Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
- Homeowners Discount – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut your premiums.
To see a list of companies who offer auto insurance discounts, follow this link.
Your personal situation dictates your coverage
When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether you will benefit from professional help.
- Is a new car covered when I drive it off the dealer lot?
- How can I force my company to pay a claim?
- Will my insurance pay for OEM parts?
- Are all vehicle passengers covered by medical payments coverage?
- Do I need roadside assistance coverage?
- Does insurance cover damages from a DUI accident?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Car insurance policy specifics
Having a good grasp of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types offered by car insurance companies.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as X-ray expenses, hospital visits and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as theft, vandalism, damage from getting keyed and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your BMW Z4.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.
Auto liability insurance – This coverage protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like attorney fees, medical services and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.
Collision coverages – Collision coverage pays for damage to your Z4 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a building, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.
Rates by U.S. City
|New York City, NY||$2,163|
|Los Angeles, CA||$2,343|
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||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.