BMW Z4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,076 a year for full coverage. Comprehensive costs an estimated $220, collision costs $314, and liability insurance costs $406. A liability-only policy costs as little as $450 a year, with high-risk insurance costing around $2,314. Teen drivers receive the highest rates at $4,118 a year or more.
Average premium for full coverage: $1,076
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different Z4 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $450 for liability-only coverage to a much higher rate of $2,314 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should compare rates for a targeted area, 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.
Additional Charts and Tables
The chart below shows estimated BMW Z4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $635
- Drivers who choose higher $1,000 deductibles will pay approximately $120 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,076
- Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,310
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,314 or more
- The cost that insures a teen driver with full coverage can cost as much as $4,118 a year
Insurance rates for a BMW Z4 can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,300 to $1,800 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,100 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 $710 a year in states like Iowa, Maine, and Idaho, or as much as $1,540 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $972 | -$104 | -9.7% |
| Alaska | $828 | -$248 | -23.0% |
| Arizona | $892 | -$184 | -17.1% |
| Arkansas | $1,076 | -$0 | 0.0% |
| California | $1,226 | $150 | 13.9% |
| Colorado | $1,026 | -$50 | -4.6% |
| Connecticut | $1,104 | $28 | 2.6% |
| Delaware | $1,218 | $142 | 13.2% |
| Florida | $1,344 | $268 | 24.9% |
| Georgia | $994 | -$82 | -7.6% |
| Hawaii | $774 | -$302 | -28.1% |
| Idaho | $728 | -$348 | -32.3% |
| Illinois | $800 | -$276 | -25.7% |
| Indiana | $812 | -$264 | -24.5% |
| Iowa | $726 | -$350 | -32.5% |
| Kansas | $1,022 | -$54 | -5.0% |
| Kentucky | $1,468 | $392 | 36.4% |
| Louisiana | $1,592 | $516 | 48.0% |
| Maine | $664 | -$412 | -38.3% |
| Maryland | $888 | -$188 | -17.5% |
| Massachusetts | $858 | -$218 | -20.3% |
| Michigan | $1,868 | $792 | 73.6% |
| Minnesota | $902 | -$174 | -16.2% |
| Mississippi | $1,288 | $212 | 19.7% |
| Missouri | $956 | -$120 | -11.2% |
| Montana | $1,156 | $80 | 7.4% |
| Nebraska | $848 | -$228 | -21.2% |
| Nevada | $1,290 | $214 | 19.9% |
| New Hampshire | $776 | -$300 | -27.9% |
| New Jersey | $1,204 | $128 | 11.9% |
| New Mexico | $952 | -$124 | -11.5% |
| New York | $1,134 | $58 | 5.4% |
| North Carolina | $620 | -$456 | -42.4% |
| North Dakota | $882 | -$194 | -18.0% |
| Ohio | $740 | -$336 | -31.2% |
| Oklahoma | $1,102 | $26 | 2.4% |
| Oregon | $986 | -$90 | -8.4% |
| Pennsylvania | $1,024 | -$52 | -4.8% |
| Rhode Island | $1,436 | $360 | 33.5% |
| South Carolina | $976 | -$100 | -9.3% |
| South Dakota | $908 | -$168 | -15.6% |
| Tennessee | $944 | -$132 | -12.3% |
| Texas | $1,296 | $220 | 20.4% |
| Utah | $796 | -$280 | -26.0% |
| Vermont | $734 | -$342 | -31.8% |
| Virginia | $644 | -$432 | -40.1% |
| Washington | $830 | -$246 | -22.9% |
| West Virginia | $986 | -$90 | -8.4% |
| Wisconsin | $742 | -$334 | -31.0% |
| Wyoming | $958 | -$118 | -11.0% |
Choosing high deductibles could save up to $360 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $366 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $1,054 | $88 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $1,076 | $90 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 BMW Z4 | $314 | $592 | $376 | $1,418 |
| 2018 BMW Z4 | $302 | $548 | $384 | $1,370 |
| 2016 BMW Z4 | $278 | $464 | $390 | $1,268 |
| 2015 BMW Z4 | $260 | $426 | $390 | $1,212 |
| 2014 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2013 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2012 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2011 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2010 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2006 BMW Z4 | $182 | $218 | $384 | $920 |
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 the Best Cheap BMW Z4 Insurance
Saving money on BMW Z4 insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Shop around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the information touched on in this article.
- Drivers can save approximately $130 per year simply by shopping early and online
- Teens are charged the highest rates, costing as high as $343 per month if full coverage is included
- Increasing deductibles can save approximately $350 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,240 more annually for Z4 insurance
- Drivers who want higher liability limits will pay about $450 each year to go from a minimum limit to the 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,118 |
| 20 | $2,450 |
| 30 | $1,110 |
| 40 | $1,076 |
| 50 | $986 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,204 |
| $500 | $1,076 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,076 |
| 50/100 | $1,157 |
| 100/300 | $1,259 |
| 250/500 | $1,523 |
| 100 CSL | $1,198 |
| 300 CSL | $1,421 |
| 500 CSL | $1,584 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,842 |
| 20 | $3,902 |
| 30 | $2,350 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,186 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $56 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
