BMW Z4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 2, 2023
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 prices for a BMW Z4 are $870 every 12 months with full coverage. Comprehensive insurance costs an estimated $160, collision costs $198, and liability is estimated at $376. Liability-only insurance costs approximately $426 a year, with high-risk driver insurance costing $1,856 or more. Teens pay the most at $3,428 a year or more.
Average premium for full coverage: $870
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Z4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW Z4 go from the cheapest price of $426 for a discount liability-only rate to a much higher rate of $1,856 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, 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.
Rates by State, City, and Model
The chart below details estimated BMW Z4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $529
- Choosing higher $1,000 deductibles can save approximately $82 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $870
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $154 every year
- Unlucky drivers with serious driving violations could pay up to $1,856 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $3,428 each year
Insurance prices for a BMW Z4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $240 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $3,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,000 to $1,500 additional annually, depending on your age. High-risk driver insurance ranges as much as 44% to 128% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for BMW Z4 insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,170 on average in New York, Michigan, 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially different.
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 Shop for Low Cost BMW Z4 Insurance
Finding better rates on car insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a review of the data that was covered in the charts and tables above.
- You may be able to save approximately $100 per year simply by shopping early and online
- Policyholders who want increased liability limits will pay approximately $410 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 are expensive to insure, possibly costing $286 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may pay on average $990 more annually to insure a BMW Z4
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 | $3,428 |
| 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
