BMW Z4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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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 rates for a BMW Z4 are $890 a year for full coverage. Comprehensive costs on average $166 a year, collision costs $208, and liability insurance costs $380. A liability-only policy costs as little as $428 a year, with high-risk insurance costing around $1,900. Teen drivers receive the highest rates at $3,496 a year or more.

Average premium for full coverage: $890

Rate estimates by individual coverage type:

Comprehensive $166
Collision $208
Liability $380

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Z4 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $428 for only liability insurance to a high of $1,900 for a high risk driver.

Liability Only $428
Full Coverage $890
High Risk $1,900

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $668
Small Cities $935
Large Cities $1,202

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $541
  • Drivers who choose higher $1,000 deductibles will pay around $804 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $890
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,052
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,900 or more
  • The cost for full coverage for a teen driver may cost $3,496 a year

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing full coverage BMW Z4 insurance rates range from $541 to $3,496

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

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,400 a year. View Rates by Age

Where you live makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or as much as $1,270 on average in Michigan, Louisiana, and New York.

BMW Z4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $804 -$86 -9.7%
Alaska $684 -$206 -23.1%
Arizona $738 -$152 -17.1%
Arkansas $890 -$0 0.0%
California $1,012 $122 13.7%
Colorado $846 -$44 -4.9%
Connecticut $912 $22 2.5%
Delaware $1,006 $116 13.0%
Florida $1,110 $220 24.7%
Georgia $822 -$68 -7.6%
Hawaii $640 -$250 -28.1%
Idaho $602 -$288 -32.4%
Illinois $662 -$228 -25.6%
Indiana $670 -$220 -24.7%
Iowa $598 -$292 -32.8%
Kansas $844 -$46 -5.2%
Kentucky $1,212 $322 36.2%
Louisiana $1,316 $426 47.9%
Maine $548 -$342 -38.4%
Maryland $736 -$154 -17.3%
Massachusetts $708 -$182 -20.4%
Michigan $1,542 $652 73.3%
Minnesota $746 -$144 -16.2%
Mississippi $1,064 $174 19.6%
Missouri $790 -$100 -11.2%
Montana $954 $64 7.2%
Nebraska $702 -$188 -21.1%
Nevada $1,068 $178 20.0%
New Hampshire $642 -$248 -27.9%
New Jersey $994 $104 11.7%
New Mexico $786 -$104 -11.7%
New York $936 $46 5.2%
North Carolina $512 -$378 -42.5%
North Dakota $728 -$162 -18.2%
Ohio $612 -$278 -31.2%
Oklahoma $912 $22 2.5%
Oregon $814 -$76 -8.5%
Pennsylvania $846 -$44 -4.9%
Rhode Island $1,186 $296 33.3%
South Carolina $806 -$84 -9.4%
South Dakota $750 -$140 -15.7%
Tennessee $778 -$112 -12.6%
Texas $1,072 $182 20.4%
Utah $660 -$230 -25.8%
Vermont $608 -$282 -31.7%
Virginia $532 -$358 -40.2%
Washington $686 -$204 -22.9%
West Virginia $814 -$76 -8.5%
Wisconsin $614 -$276 -31.0%
Wyoming $792 -$98 -11.0%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Choosing high deductibles could save up to $250 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $342 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 125% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $874 $73
BMW Z4 3.5I SDRIVE 2-Dr Roadster $890 $74

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 $188 $234 $398 $956
2003 BMW Z4 $166 $208 $380 $890

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 Find Cheaper BMW Z4 Insurance

Saving money on BMW Z4 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $250 each year
  • Drivers can save as much as $100 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $420 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $291 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,010 more each year for 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.

Rates by Driver Age

BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,496
20 $2,018
30 $908
40 $890
50 $816
60 $800

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,052
$250 $978
$500 $890
$1,000 $804

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $966
100/300 $1,061
250/500 $1,308
100 CSL $1,004
300 CSL $1,213
500 CSL $1,365

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $4,930
20 $3,208
30 $1,924
40 $1,900
50 $1,814
60 $1,796

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 $117

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $47
Homeowner $15
5-yr Accident Free $55
5-yr Claim Free $55
Paid in Full/EFT $33
Advance Quote $39
Online Quote $60
Total Discounts $349
Rate after discounts $541

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

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