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.

U.S. average insurance rates for a BMW Z4 are $1,032 a year for full coverage. Comprehensive insurance costs on average $206 a year, collision insurance costs $288, and liability insurance is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,216 or more. Teen drivers pay the highest rates at up to $3,972 a year.

Average premium for full coverage: $1,032

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Z4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.

The ranges above show why it is important to get quotes based on a specific location, rather than relying on price averages.

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

Rate Comparisons

The chart below shows average BMW Z4 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $613
• Choosing higher $1,000 deductibles can save around $918 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,032
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $214 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,216
• The price that insures a teen driver may cost $3,972 each year

View Chart as Image

Insurance prices for a BMW Z4 are also quite variable based on the trim level of your Z4, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for BMW Z4 insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,470 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $330 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per 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 BMW Z4 Insurance

Getting lower rates on BMW Z4 insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Shop around at every other renewal by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a brief recap of the concepts that were touched on above.

• High-risk drivers who tend to receive serious violations may pay on average $1,180 more each year for car insurance
• Teenagers pay the highest prices, with premiums as much as $331 a month if full coverage is included
• Drivers can save as much as $120 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $325 each year
• Drivers can save as much as $120 per year just by quoting early and online

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.