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 including full coverage. Comprehensive costs on average $194 a year, collision insurance costs $262, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,130. Teen drivers pay the most at up to $3,850 a year.

Average premium for full coverage: $994

Premium estimates by type of coverage:

These estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Z4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below breaks down average BMW Z4 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $594
• Using higher $1,000 deductibles will save around $890 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $994
• Choosing low $100 deductibles for physical damage coverage will cost $1,190
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,130
• An auto insurance policy with full coverage for a teenage driver may cost $3,850 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 a year, 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 upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $300 a year, while buying higher liability limits will cost you more. Changing 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 has a huge impact on BMW Z4 insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Cheap BMW Z4 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from several local insurance agents.

The following is a brief summary of the data covered in the above illustrations.

• Consumers who require higher liability limits will pay about $440 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save as much as $110 per year just by quoting early and online
• Increasing policy deductibles could save up to $300 each year
• Teens pay higher prices, with the cost nearing $321 per month if they have 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.

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.