BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates

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U.S. average insurance rates for a BMW Z4 3.0I SDRIVE 2-Dr Roadster are $1,494 a year for full coverage. Comprehensive insurance costs an estimated $382 a year, collision insurance costs $666, and liability insurance costs around $310. Buying just liability costs as low as $370 a year, and insurance for high-risk drivers costs $3,214 or more. Teen drivers pay the highest rates at up to $5,278 a year.

Annual premium for full coverage: $1,494

Price estimates broken down by individual coverage type:

Comprehensive $382
Collision $666
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this BMW Z4 Trim Level

For the normal driver, BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance prices range from as low as $370 for the bare minimum liability coverage to a high of $3,214 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,494
High Risk $3,214

These price ranges show why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

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Insurance prices for a BMW Z4 3.0I SDRIVE 2-Dr Roadster are also quite variable based on your driving record, the model year of your Z4, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $700 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 127% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and rates may be quite different from one company to the next.

View Chart as Image

BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance cost comparison chart
Column chart showing BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance prices range from $845 to $5,278 for full coverage

Chart shows BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $845. Drivers who choose higher $1,000 deductibles will pay around $1,256. The average rate for a driver around age 40 using $500 deductibles is $1,494. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,956. High risk drivers could be charged at least $3,214. The cost for full coverage for a teenage driver can be as high as $5,278.

BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,350 -$144 -9.6%
Alaska $1,142 -$352 -23.6%
Arizona $1,240 -$254 -17.0%
Arkansas $1,494 -$0 0.0%
California $1,702 $208 13.9%
Colorado $1,424 -$70 -4.7%
Connecticut $1,532 $38 2.5%
Delaware $1,688 $194 13.0%
Florida $1,864 $370 24.8%
Georgia $1,382 -$112 -7.5%
Hawaii $1,072 -$422 -28.2%
Idaho $1,012 -$482 -32.3%
Illinois $1,110 -$384 -25.7%
Indiana $1,124 -$370 -24.8%
Iowa $1,006 -$488 -32.7%
Kansas $1,416 -$78 -5.2%
Kentucky $2,038 $544 36.4%
Louisiana $2,210 $716 47.9%
Maine $922 -$572 -38.3%
Maryland $1,232 -$262 -17.5%
Massachusetts $1,190 -$304 -20.3%
Michigan $2,592 $1,098 73.5%
Minnesota $1,250 -$244 -16.3%
Mississippi $1,788 $294 19.7%
Missouri $1,326 -$168 -11.2%
Montana $1,602 $108 7.2%
Nebraska $1,178 -$316 -21.2%
Nevada $1,790 $296 19.8%
New Hampshire $1,076 -$418 -28.0%
New Jersey $1,670 $176 11.8%
New Mexico $1,320 -$174 -11.6%
New York $1,572 $78 5.2%
North Carolina $860 -$634 -42.4%
North Dakota $1,222 -$272 -18.2%
Ohio $1,030 -$464 -31.1%
Oklahoma $1,532 $38 2.5%
Oregon $1,368 -$126 -8.4%
Pennsylvania $1,422 -$72 -4.8%
Rhode Island $1,990 $496 33.2%
South Carolina $1,354 -$140 -9.4%
South Dakota $1,258 -$236 -15.8%
Tennessee $1,306 -$188 -12.6%
Texas $1,798 $304 20.3%
Utah $1,104 -$390 -26.1%
Vermont $1,022 -$472 -31.6%
Virginia $896 -$598 -40.0%
Washington $1,152 -$342 -22.9%
West Virginia $1,370 -$124 -8.3%
Wisconsin $1,032 -$462 -30.9%
Wyoming $1,330 -$164 -11.0%

View Chart as Image

BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance rates by U.S. city

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Rates by Driver Age

BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates by Driver Age
Driver Age Premium
16 $5,278
20 $3,418
30 $1,576
40 $1,494
50 $1,360
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,956
$250 $1,742
$500 $1,494
$1,000 $1,256

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,494
50/100 $1,556
100/300 $1,634
250/500 $1,835
100 CSL $1,587
300 CSL $1,758
500 CSL $1,882

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates for High Risk Drivers
Age Premium
16 $7,582
20 $5,430
30 $3,310
40 $3,214
50 $3,060
60 $3,032

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.

SR-22 Surcharge $207

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $75
Homeowner $20
5-yr Accident Free $117
5-yr Claim Free $97
Paid in Full/EFT $74
Advance Quote $76
Online Quote $109
Total Discounts $649
Rate after discounts $845

Discounts are estimated and may not be available from every company or in every state.

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