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 each year, collision insurance costs $262, and liability insurance costs $402. Buying just liability costs as little as $446 a year, and insurance for high-risk drivers costs $2,130 or more. Teen drivers pay the highest rates at up to $3,850 a year.

Average premium for full coverage: $994

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Z4 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on insurance prices.

The ranges above show why all drivers should compare rates for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $594
• Drivers who choose higher $1,000 deductibles will pay approximately $104 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $994
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $196 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,130
• The price that insures a teen driver can cost as much as $3,850 a year

View Chart as Image

Insurance prices for a BMW Z4 are also quite variable based on the trim level and model year, 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. Insurance for high-risk drivers can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are highest 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 makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or as much as $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $300 each year, whereas increasing 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 the Best Cheap BMW Z4 Insurance

Getting lower rates on BMW Z4 insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around at least once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the primary concepts that were touched on in this article.

• Drivers can save approximately $110 per year just by quoting online in advance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,140 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $300 each year
• 16 to 18-year-old drivers 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.