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 insurance rates for a BMW Z4 are $1,032 a year for full coverage. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $288, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $2,216 or more. Teen 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 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured 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 can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

These rate differences show why it is important to get quotes for a targeted area and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $613
• Choosing higher $1,000 deductibles can save approximately $918 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,032
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $214 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,216
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,972 each year

View Chart as Image

Insurance prices for a BMW Z4 also have a wide range based on your driving characteristics, the trim level of your Z4, and liability limits and deductibles.

Older drivers with a clean driving record and high 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, where even good drivers can expect 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 $680 a year in states like Iowa, Maine, and Idaho, or as much as $1,470 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $330 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than average. View High Risk Driver Rates

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 Cheaper BMW Z4 Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a condensed summary of the concepts that were touched on above.

• Higher risk drivers with multiple at-fault accidents pay an average of $1,180 more annually for Z4 insurance
• Teens are charged the highest prices, as much as $331 per month for full coverage
• Drivers can save approximately $120 per year just by quoting early and online
• Increasing policy deductibles can save around $325 each year
• Drivers can save approximately $120 per year just by quoting early and online

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.