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.

The average auto insurance rates for a BMW Z4 are $870 annually with full coverage. Comprehensive costs approximately $160 each year, collision insurance costs $198, and liability insurance is estimated at $376. Buying just liability costs approximately $426 a year, and insurance for high-risk drivers costs around $1,856. Teenage drivers cost the most to insure at up to $3,428 a year.

Average premium for full coverage: $870

Policy rates by type of insurance:

Comprehensive $160
Collision $198
Liability $376

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Z4 models.

Price Range Variability

For the average 40-year-old driver, BMW Z4 insurance rates range from as cheap as $426 for just liability coverage to a high rate of $1,856 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

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

The examples above demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on 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.

Detailed Rate Analysis

The chart below details average BMW Z4 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $529
  • Choosing higher $1,000 deductibles can save $82 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $870
  • Using low deductibles for comp and collision coverage will cost $1,024
  • High-risk insureds who are prone to accidents and violations could pay around $1,856
  • Policy cost with full coverage for a teen driver can cost $3,428 each year

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 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $240 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for BMW Z4 insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.

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 Buy Low Cost BMW Z4 Insurance

Finding cheaper rates on BMW Z4 insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the primary concepts that were touched on in this article.

  • You may be able to save around $100 per year just by quoting online in advance
  • High-risk drivers who have several accidents or serious violations may pay on average $990 more per year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • Teenagers are expensive to insure, as much as $286 each month including comprehensive and collision 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 $3,428
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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