BMW Z4 Insurance Rates
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UPDATED: May 18, 2024
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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 insurance rates for a BMW Z4 are $1,076 a year with full coverage. Comprehensive costs around $220 each year, collision costs $314, and liability costs around $406. A liability-only policy costs as low as $450 a year, with high-risk insurance costing around $2,314. 16-year-old drivers cost the most to insure at $4,118 a year or more.
Average premium for full coverage: $1,076
Policy rates for type of insurance:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Z4 models.
Price Range Variability
For the normal driver, BMW Z4 insurance rates go from the low end price of $450 for minimum levels of liability insurance to a high rate of $2,314 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on rate 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 Rate Details
The chart below details estimated BMW Z4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $635
- Using higher $1,000 deductibles will save about $120 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,076
- Buying low deductibles for physical damage coverage bumps up the cost to $1,310
- High-risk insureds with multiple tickets or accidents could pay at least $2,314 or more
- Policy cost that insures a 16-year-old driver can be $4,118 or more
Car insurance rates for a BMW Z4 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,100 a year. View Rates by Age
Your home state has a huge impact on BMW Z4 insurance prices. A driver around age 40 might see rates as low as $780 a year in states like New Hampshire, Ohio, and Utah, or at least $1,450 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $360 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $366 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied.
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 BMW Z4 Insurance
Finding cheaper rates on insurance for a BMW Z4 requires having a good driving record, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Comparison shop once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief recap of the data that was presented in the illustrations above.
- You may be able to save up to $130 per year simply by quoting online in advance
- Insureds who may need increased levels of liability coverage will pay around $450 every year to increase from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, as much as $343 each month if full coverage is purchased
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,240 more every year to buy BMW Z4 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.
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.
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