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.
U.S. average insurance rates for a BMW Z4 are $994 a year with full coverage. Comprehensive costs around $194 each year, collision costs $262, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,130. Teenage drivers pay the highest rates at $3,850 a year or more.
Average premium for full coverage: $994
Price estimates for individual coverage:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Z4 models.
Price Range from Low to High
For the normal driver, BMW Z4 insurance prices go from the low end price of $446 for liability-only coverage to a high rate of $2,130 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why all drivers should compare prices for a specific zip code, rather than relying on average rates.
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 details estimated BMW Z4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $594
- Using higher $1,000 deductibles will save about $104 annually
- The estimated price for the average middle-age driver using $500 deductibles is $994
- Using low deductibles for physical damage coverage bumps up the cost to $1,190
- Drivers who are prone to accidents and violations could pay at least $2,130 or more
- The price that insures a teen driver can be $3,850 or more
Insurance prices for a BMW Z4 are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,200 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age
The state you live in has a huge impact on BMW Z4 insurance rates. A driver around age 40 might see prices as low as $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,340 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $896 | -$98 | -9.9% |
| Alaska | $760 | -$234 | -23.5% |
| Arizona | $822 | -$172 | -17.3% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,130 | $136 | 13.7% |
| Colorado | $946 | -$48 | -4.8% |
| Connecticut | $1,018 | $24 | 2.4% |
| Delaware | $1,120 | $126 | 12.7% |
| Florida | $1,238 | $244 | 24.5% |
| Georgia | $918 | -$76 | -7.6% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $738 | -$256 | -25.8% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $942 | -$52 | -5.2% |
| Kentucky | $1,352 | $358 | 36.0% |
| Louisiana | $1,468 | $474 | 47.7% |
| Maine | $614 | -$380 | -38.2% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $790 | -$204 | -20.5% |
| Michigan | $1,722 | $728 | 73.2% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,188 | $194 | 19.5% |
| Missouri | $880 | -$114 | -11.5% |
| Montana | $1,064 | $70 | 7.0% |
| Nebraska | $780 | -$214 | -21.5% |
| Nevada | $1,190 | $196 | 19.7% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,110 | $116 | 11.7% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,044 | $50 | 5.0% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $684 | -$310 | -31.2% |
| Oklahoma | $1,016 | $22 | 2.2% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,322 | $328 | 33.0% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $868 | -$126 | -12.7% |
| Texas | $1,196 | $202 | 20.3% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $676 | -$318 | -32.0% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $766 | -$228 | -22.9% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $684 | -$310 | -31.2% |
| Wyoming | $882 | -$112 | -11.3% |
Using high physical damage deductibles could cut prices by as much as $300 each year, whereas increasing liability limits will increase prices. Moving 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
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $974 | $81 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $994 | $83 |
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 | $290 | $516 | $388 | $1,330 |
| 2018 BMW Z4 | $278 | $464 | $390 | $1,268 |
| 2016 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2015 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2014 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2013 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2012 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2011 BMW Z4 | $194 | $262 | $402 | $994 |
| 2010 BMW Z4 | $188 | $234 | $398 | $956 |
| 2006 BMW Z4 | $160 | $198 | $376 | $870 |
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
Getting lower rates on BMW Z4 insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.
The next list is a recap of the concepts that were presented in the illustrations above.
- High-risk drivers that have major violations or accidents may pay on average $1,140 more every year to buy BMW Z4 insurance
- Drivers age 20 and younger pay higher prices, costing up to $321 a month if full coverage is included
- You may be able to save up to $110 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $300 each year
- You may be able to save up to $110 per year simply by quoting online in advance
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 | $3,850 |
| 20 | $2,256 |
| 30 | $1,018 |
| 40 | $994 |
| 50 | $910 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,190 |
| $250 | $1,100 |
| $500 | $994 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,074 |
| 100/300 | $1,175 |
| 250/500 | $1,436 |
| 100 CSL | $1,115 |
| 300 CSL | $1,336 |
| 500 CSL | $1,497 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,450 |
| 20 | $3,592 |
| 30 | $2,160 |
| 40 | $2,130 |
| 50 | $2,032 |
| 60 | $2,012 |
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 | $51 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $400 |
Discounts are estimated and may not be available from every company or in every state.
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