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.
U.S. average auto insurance rates for a BMW Z4 are $870 annually for full coverage insurance. Comprehensive costs around $160 a year, collision insurance costs $198, and liability costs $376. A policy with just liability insurance costs as little as $426 a year, and coverage for high-risk drivers costs around $1,856. Teens pay the highest rates at up to $3,428 a year.
Average premium for full coverage: $870
Price estimates for individual coverage:
Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Z4 trim levels.
Price Range from Low to High
For the normal driver, BMW Z4 insurance prices range from as cheap as $426 for basic liability insurance to a high of $1,856 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.
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.
Rate Comparisons
The chart below illustrates average BMW Z4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $529
- Drivers who choose higher $1,000 deductibles will pay about $788 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $870
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,024
- Higher-risk drivers with serious driving violations could pay at least $1,856
- The price with full coverage for a teen driver can be $3,428 a year
Insurance prices for a BMW Z4 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $240 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in BMW Z4 insurance prices. A 40-year-old driver could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,170 on average in Michigan, New York, and Florida.
| 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% |
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 Buy More Affordable BMW Z4 Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a summary of the material that was presented in the illustrations above.
- Policyholders who may need more liability coverage will pay approximately $410 annually to go from a low limit to higher 250/500 limits
- Teen drivers pay higher prices, as much as $286 a month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations pay on average $990 more every year to insure their Z4
- Increasing physical damage deductibles could save up to $225 each year
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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