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.

Estimated auto insurance rates for a BMW Z4 are $994 annually for full coverage. Comprehensive costs approximately $194 a year, collision insurance costs $262, and liability coverage is estimated at $402. Liability-only insurance costs approximately $446 a year, and high-risk driver insurance costs around $2,130. 16-year-old drivers pay the most at up to $3,850 a year.

Average premium for full coverage: $994

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Z4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences show why it is important to get quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

The chart below shows average BMW Z4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $594
• Choosing higher $1,000 deductibles can save $890 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $994
• Buying low $100 deductibles for comp and collision coverage will cost $1,190
• Drivers with multiple tickets or accidents could pay around $2,130
• An auto insurance policy with full coverage for a teenage driver can cost $3,850 each year

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Insurance prices for a BMW Z4 also have a wide range based on the model of your Z4, your driver profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $300 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for BMW Z4 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,420 on average in New York, Louisiana, and Michigan.

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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 Buy the Right BMW Z4 Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a quick rundown of the material that was covered above.

• Consumers who purchase higher liability limits will pay around $440 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are the costliest to insure, as much as $321 per month if they have full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,140 more per year for car insurance
• Increasing policy deductibles could save up to $300 each year

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.