BMW Z4 Insurance Rates
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Michelle Robbins
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UPDATED: May 18, 2024
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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.
The average auto insurance rates for a BMW Z4 are $994 annually for full coverage. Comprehensive insurance costs around $194 a year, collision costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,130 or more. Teen drivers cost the most to insure at $3,850 a year or more.
Average premium for full coverage: $994
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Z4 trim levels.
Price Range Variability
For the average driver, BMW Z4 insurance rates go from as cheap as $446 for basic liability insurance to a high of $2,130 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
The examples above show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated BMW Z4 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $594
- Drivers who choose higher $1,000 deductibles will pay about $890 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $994
- Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $196 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,130 or more
- Policy cost with full coverage for a teen driver can be $3,850 a year
Insurance rates for a BMW Z4 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $300 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in BMW Z4 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,420 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $896 | -$98 | -9.9% |
| Alaska | $760 | -$234 | -23.5% |
| Arizona | $822 | -$172 | -17.3% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,130 | $136 | 13.7% |
| Colorado | $946 | -$48 | -4.8% |
| Connecticut | $1,018 | $24 | 2.4% |
| Delaware | $1,120 | $126 | 12.7% |
| Florida | $1,238 | $244 | 24.5% |
| Georgia | $918 | -$76 | -7.6% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $738 | -$256 | -25.8% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $942 | -$52 | -5.2% |
| Kentucky | $1,352 | $358 | 36.0% |
| Louisiana | $1,468 | $474 | 47.7% |
| Maine | $614 | -$380 | -38.2% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $790 | -$204 | -20.5% |
| Michigan | $1,722 | $728 | 73.2% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,188 | $194 | 19.5% |
| Missouri | $880 | -$114 | -11.5% |
| Montana | $1,064 | $70 | 7.0% |
| Nebraska | $780 | -$214 | -21.5% |
| Nevada | $1,190 | $196 | 19.7% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,110 | $116 | 11.7% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,044 | $50 | 5.0% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $684 | -$310 | -31.2% |
| Oklahoma | $1,016 | $22 | 2.2% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,322 | $328 | 33.0% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $868 | -$126 | -12.7% |
| Texas | $1,196 | $202 | 20.3% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $676 | -$318 | -32.0% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $766 | -$228 | -22.9% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $684 | -$310 | -31.2% |
| Wyoming | $882 | -$112 | -11.3% |
Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $974 | $81 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $994 | $83 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 BMW Z4 | $290 | $516 | $388 | $1,330 |
| 2018 BMW Z4 | $278 | $464 | $390 | $1,268 |
| 2016 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2015 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2014 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2013 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2012 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2011 BMW Z4 | $194 | $262 | $402 | $994 |
| 2010 BMW Z4 | $188 | $234 | $398 | $956 |
| 2006 BMW Z4 | $160 | $198 | $376 | $870 |
Rates are averaged for all BMW Z4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best BMW Z4 Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief recap of the car insurance concepts touched on above.
- Higher risk drivers who tend to receive serious violations pay an average of $1,140 more every year to insure a BMW Z4
- Drivers can save up to $110 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Policyholders who may need increased liability limits will pay about $440 each year to go from a 30/60 limit to higher 250/500 limits
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,850 |
| 20 | $2,256 |
| 30 | $1,018 |
| 40 | $994 |
| 50 | $910 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,190 |
| $250 | $1,100 |
| $500 | $994 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,074 |
| 100/300 | $1,175 |
| 250/500 | $1,436 |
| 100 CSL | $1,115 |
| 300 CSL | $1,336 |
| 500 CSL | $1,497 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,450 |
| 20 | $3,592 |
| 30 | $2,160 |
| 40 | $2,130 |
| 50 | $2,032 |
| 60 | $2,012 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $400 |
Discounts are estimated and may not be available from every company or in every state.
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