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 $994 a year for full coverage. Comprehensive insurance costs an estimated $194 a year, collision insurance costs $262, and liability insurance is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,130 or more. Teens pay the highest rates at up to $3,850 a year.

Average premium for full coverage: $994

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Z4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above show why it is important to compare rates quotes for a targeted area, rather than relying on averaged prices.

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

More Rate Information

The chart below shows average BMW Z4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $594
• Raising to $1,000 deductibles will save approximately $890 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $994
• Selecting low $100 deductibles will cost an additional $196 a year
• Higher-risk drivers with serious driving violations could pay up to $2,130
• The price that insures a teen driver can cost as much as $3,850

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 liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $3,800 a year. View Rates by Age

The state you live in also has a big influence on BMW Z4 insurance rates. A middle-age driver might find prices as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each 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 Low Cost BMW Z4 Insurance

Getting lower rates on BMW Z4 insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a review of the data covered in the above illustrations.

• Drivers who want an increased level of liability coverage will pay approximately $440 each year to raise from a low limit to the 250/500 level
• Drivers can save approximately $110 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $321 a month if comprehensive and collision insurance is included

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.