BMW Z4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 2, 2023

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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.

Average insurance prices for a BMW Z4 are $870 every 12 months for full coverage. Comprehensive costs on average $160 each year, collision insurance costs $198, and liability coverage costs around $376. A policy with just liability insurance costs as low as $426 a year, and coverage for high-risk drivers costs around $1,856. Teenage drivers receive the highest rates at up to $3,428 a year.

Average premium for full coverage: $870

Rate estimates by individual coverage type:

Comprehensive $160
Collision $198
Liability $376

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Z4 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $426 for your basic liability-only policy to a high rate of $1,856 for coverage for higher-risk drivers.

Liability Only $426
Full Coverage $870
High Risk $1,856

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $653
Small Cities $914
Large Cities $1,175

These examples show why all drivers should compare prices based on a specific location and their own driving history, rather than using average rates.

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.

More Rate Information

The chart below shows average BMW Z4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $529
  • Using higher $1,000 deductibles will save around $82 a year
  • The average price for a 40-year-old driver with $500 deductibles is $870
  • Using low deductibles for physical damage coverage increases the price to $1,024
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,856
  • The cost to insure a teenage driver may cost $3,428 or more

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing BMW Z4 insurance rates range from $529 to $3,428 for full coverage

Insurance rates for a BMW Z4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Z4.

Using high physical damage deductibles could cut rates by as much as $240 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $800 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 128% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on BMW Z4 insurance rates. A driver around age 40 might see rates as low as $570 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.

BMW Z4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $784 -$86 -9.9%
Alaska $666 -$204 -23.4%
Arizona $720 -$150 -17.2%
Arkansas $870 -$0 0.0%
California $988 $118 13.6%
Colorado $830 -$40 -4.6%
Connecticut $890 $20 2.3%
Delaware $984 $114 13.1%
Florida $1,084 $214 24.6%
Georgia $804 -$66 -7.6%
Hawaii $626 -$244 -28.0%
Idaho $588 -$282 -32.4%
Illinois $646 -$224 -25.7%
Indiana $654 -$216 -24.8%
Iowa $586 -$284 -32.6%
Kansas $826 -$44 -5.1%
Kentucky $1,182 $312 35.9%
Louisiana $1,286 $416 47.8%
Maine $536 -$334 -38.4%
Maryland $716 -$154 -17.7%
Massachusetts $692 -$178 -20.5%
Michigan $1,508 $638 73.3%
Minnesota $728 -$142 -16.3%
Mississippi $1,040 $170 19.5%
Missouri $772 -$98 -11.3%
Montana $932 $62 7.1%
Nebraska $684 -$186 -21.4%
Nevada $1,040 $170 19.5%
New Hampshire $628 -$242 -27.8%
New Jersey $972 $102 11.7%
New Mexico $768 -$102 -11.7%
New York $914 $44 5.1%
North Carolina $500 -$370 -42.5%
North Dakota $714 -$156 -17.9%
Ohio $598 -$272 -31.3%
Oklahoma $890 $20 2.3%
Oregon $794 -$76 -8.7%
Pennsylvania $826 -$44 -5.1%
Rhode Island $1,158 $288 33.1%
South Carolina $788 -$82 -9.4%
South Dakota $734 -$136 -15.6%
Tennessee $760 -$110 -12.6%
Texas $1,048 $178 20.5%
Utah $642 -$228 -26.2%
Vermont $592 -$278 -32.0%
Virginia $520 -$350 -40.2%
Washington $670 -$200 -23.0%
West Virginia $794 -$76 -8.7%
Wisconsin $598 -$272 -31.3%
Wyoming $772 -$98 -11.3%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

BMW Z4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
BMW Z4 3.0I SDRIVE 2-Dr Roadster $854 $71
BMW Z4 3.5I SDRIVE 2-Dr Roadster $870 $73

Rates assume 2003 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.

BMW Z4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2006 BMW Z4 $184 $230 $390 $940
2003 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 Best Cheap BMW Z4 Insurance

Saving money on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a quick review of the primary concepts that were touched on in this article.

  • Drivers can save as much as $100 per year just by quoting online in advance
  • Drivers with a DUI or reckless driving violation pay an average of $990 more each year to insure a BMW Z4
  • Increasing deductibles could save as much as $225 each year
  • Drivers under the age of 20 pay higher rates, costing as high as $286 per month if full coverage is included

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.

Rates by Driver Age

BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,428
20 $1,972
30 $888
40 $870
50 $798
60 $782

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,024
$250 $954
$500 $870
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $870
50/100 $945
100/300 $1,039
250/500 $1,284
100 CSL $983
300 CSL $1,190
500 CSL $1,340

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $4,830
20 $3,132
30 $1,876
40 $1,856
50 $1,772
60 $1,754

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 $114

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $53
5-yr Claim Free $54
Paid in Full/EFT $32
Advance Quote $38
Online Quote $59
Total Discounts $341
Rate after discounts $529

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

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