BMW Z4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision insurance costs $288, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,216 or more. 16-year-old drivers pay the most at up to $3,972 a year.
Average premium for full coverage: $1,032
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Z4 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW Z4 range from the low end price of $446 for liability-only coverage to a high rate of $2,216 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area, instead of using rate averages.
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 illustrates average BMW Z4 insurance rates for other coverage scenarios.
- The best full coverage rate is $613
- Choosing higher $1,000 deductibles can save approximately $114 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,032
- Buying low deductibles for comp and collision coverage will cost an additional $214 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,216
- An auto insurance policy that insures a teen driver can cost as much as $3,972 each year
Auto insurance prices for a BMW Z4 also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age
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 $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,390 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $330 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
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 Cheaper BMW Z4 Insurance
Finding better rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The list below is a condensed summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save approximately $120 per year just by quoting online in advance
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,180 more annually for car insurance
- Increasing policy deductibles can save approximately $325 each year
- Teenagers are the costliest to insure, with premiums being up to $331 per month if the policy includes full coverage
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
