BMW Z4 Insurance Rates

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 $1,032 a year including full coverage. Comprehensive costs around $206 each year, collision insurance costs $288, and liability coverage is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $2,216. Teens receive the highest rates at up to $3,972 a year.

Average premium for full coverage: $1,032

Rate estimates for individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Z4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average BMW Z4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $613
• Choosing higher $1,000 deductibles can save about $114 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,032
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,246
• Drivers with serious driving violations could pay at least $2,216
• The cost that insures a teenage driver can be $3,972 each year

View Chart as Image

Auto insurance rates for a BMW Z4 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,200 to $1,700 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for BMW Z4 insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,470 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap BMW Z4 Insurance

Saving money on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a quick review of the data that was covered in the above illustrations.

• You may be able to save up to $120 per year just by quoting online in advance
• Consumers who may need higher liability limits will pay approximately $440 per year to raise limits from a minimum limit to the 250/500 level
• Teens are expensive to insure, as much as $331 per month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation may have to pay on average $1,180 more every year for 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.

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.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A4 Insurance Rates

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.