BMW Z4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance rates for a BMW Z4 are $1,032 a year with full coverage. Comprehensive insurance costs around $206 a year, collision insurance costs $288, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $2,216 or more. Teens pay the most at up to $3,972 a year.
Average premium for full coverage: $1,032
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Z4 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a BMW Z4 range from as low as $446 for a discount liability-only rate to a high of $2,216 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than 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.
Rates by State, City, and Model
The chart below details average BMW Z4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $613
- Drivers who choose higher $1,000 deductibles will pay about $918 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,032
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $214 each year
- High-risk insureds with serious driving violations could pay at least $2,216
- An auto insurance policy for full coverage for a teenage driver can be $3,972 a year
Insurance prices for a BMW Z4 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Where you choose to live makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,390 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $932 | -$100 | -9.7% |
Alaska | $790 | -$242 | -23.4% |
Arizona | $854 | -$178 | -17.2% |
Arkansas | $1,032 | -$0 | 0.0% |
California | $1,174 | $142 | 13.8% |
Colorado | $982 | -$50 | -4.8% |
Connecticut | $1,060 | $28 | 2.7% |
Delaware | $1,164 | $132 | 12.8% |
Florida | $1,286 | $254 | 24.6% |
Georgia | $954 | -$78 | -7.6% |
Hawaii | $740 | -$292 | -28.3% |
Idaho | $698 | -$334 | -32.4% |
Illinois | $768 | -$264 | -25.6% |
Indiana | $778 | -$254 | -24.6% |
Iowa | $694 | -$338 | -32.8% |
Kansas | $980 | -$52 | -5.0% |
Kentucky | $1,404 | $372 | 36.0% |
Louisiana | $1,526 | $494 | 47.9% |
Maine | $636 | -$396 | -38.4% |
Maryland | $852 | -$180 | -17.4% |
Massachusetts | $822 | -$210 | -20.3% |
Michigan | $1,790 | $758 | 73.4% |
Minnesota | $862 | -$170 | -16.5% |
Mississippi | $1,234 | $202 | 19.6% |
Missouri | $914 | -$118 | -11.4% |
Montana | $1,106 | $74 | 7.2% |
Nebraska | $810 | -$222 | -21.5% |
Nevada | $1,236 | $204 | 19.8% |
New Hampshire | $744 | -$288 | -27.9% |
New Jersey | $1,154 | $122 | 11.8% |
New Mexico | $910 | -$122 | -11.8% |
New York | $1,084 | $52 | 5.0% |
North Carolina | $594 | -$438 | -42.4% |
North Dakota | $846 | -$186 | -18.0% |
Ohio | $710 | -$322 | -31.2% |
Oklahoma | $1,056 | $24 | 2.3% |
Oregon | $944 | -$88 | -8.5% |
Pennsylvania | $982 | -$50 | -4.8% |
Rhode Island | $1,374 | $342 | 33.1% |
South Carolina | $934 | -$98 | -9.5% |
South Dakota | $870 | -$162 | -15.7% |
Tennessee | $902 | -$130 | -12.6% |
Texas | $1,242 | $210 | 20.3% |
Utah | $762 | -$270 | -26.2% |
Vermont | $702 | -$330 | -32.0% |
Virginia | $618 | -$414 | -40.1% |
Washington | $794 | -$238 | -23.1% |
West Virginia | $944 | -$88 | -8.5% |
Wisconsin | $712 | -$320 | -31.0% |
Wyoming | $918 | -$114 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $330 a year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
BMW Z4 3.0I SDRIVE 2-Dr Roadster | $1,010 | $84 |
BMW Z4 3.5I SDRIVE 2-Dr Roadster | $1,032 | $86 |
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 | $302 | $548 | $384 | $1,370 |
2018 BMW Z4 | $290 | $516 | $388 | $1,330 |
2016 BMW Z4 | $260 | $426 | $390 | $1,212 |
2015 BMW Z4 | $250 | $400 | $394 | $1,180 |
2014 BMW Z4 | $244 | $374 | $402 | $1,156 |
2013 BMW Z4 | $226 | $346 | $402 | $1,110 |
2012 BMW Z4 | $220 | $314 | $406 | $1,076 |
2011 BMW Z4 | $206 | $288 | $402 | $1,032 |
2010 BMW Z4 | $194 | $262 | $402 | $994 |
2006 BMW Z4 | $166 | $208 | $380 | $890 |
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 More Affordable BMW Z4 Insurance
Finding better rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a summary of the coverage data raised in the charts and tables above.
- You may be able to save up to $120 per year just by quoting early and online
- Increasing policy deductibles can save around $325 each year
- Youthful drivers pay higher prices, possibly costing $331 per month for full coverage
- Drivers who have multiple accidents or major violations pay an average of $1,180 more every year than a low-risk driver
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $3,972 |
20 | $2,346 |
30 | $1,060 |
40 | $1,032 |
50 | $944 |
60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,246 |
$250 | $1,146 |
$500 | $1,032 |
$1,000 | $918 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,032 |
50/100 | $1,112 |
100/300 | $1,213 |
250/500 | $1,474 |
100 CSL | $1,153 |
300 CSL | $1,374 |
500 CSL | $1,535 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,632 |
20 | $3,736 |
30 | $2,248 |
40 | $2,216 |
50 | $2,112 |
60 | $2,092 |
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 | $54 |
Multi-vehicle | $54 |
Homeowner | $17 |
5-yr Accident Free | $68 |
5-yr Claim Free | $66 |
Paid in Full/EFT | $41 |
Advance Quote | $47 |
Online Quote | $72 |
Total Discounts | $419 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area