BMW Z4 Insurance Rates
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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.
Average insurance rates for a BMW Z4 are $870 a year for full coverage. Comprehensive insurance costs an estimated $160 each year, collision insurance costs $198, and liability is $376. A policy with just liability insurance costs around $426 a year, and coverage for high-risk drivers costs $1,856 or more. Teen drivers receive the highest rates at up to $3,428 a year.
Average premium for full coverage: $870
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Z4 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $426 for liability-only coverage to a high rate of $1,856 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area, instead of making a decision based 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 average BMW Z4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $529
- Raising to $1,000 deductibles will save approximately $82 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $870
- Choosing low deductibles will cost an additional $154 annually
- Drivers with multiple violations and an at-fault accident could pay up to $1,856
- The cost that insures a 16-year-old driver can cost as much as $3,428
Insurance rates for a BMW Z4 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,000 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 128% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,400 a year. View Rates by Age
Where you live also has a big influence on BMW Z4 insurance prices. A middle-age driver might find rates as low as $570 a year in states like Iowa, Maine, and Idaho, or as much as $1,240 on average in New York, Louisiana, and Michigan.
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% |
Choosing high deductibles can reduce rates by up to $240 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
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 Cheapest BMW Z4 Insurance
Saving money on insurance for a BMW Z4 consists of being a good driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk that have major violations or accidents may pay on average $990 more annually than a safer driver
- Drivers can save approximately $100 per year just by quoting online in advance
- Increasing deductibles can save approximately $225 each year
- Insureds who want an increased level of liability coverage will pay about $410 each year to raise 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.
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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 | $3,428 |
20 | $1,972 |
30 | $888 |
40 | $870 |
50 | $798 |
60 | $782 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,024 |
$250 | $954 |
$500 | $870 |
$1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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