BMW Z4 Insurance Rates
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UPDATED: Jun 2, 2023
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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.
Average insurance rates for a BMW Z4 are $870 a year with full coverage. Comprehensive insurance costs approximately $160, collision costs $198, and liability coverage costs $376. A policy with just liability insurance costs as little as $426 a year, with coverage for high-risk drivers costing $1,856 or more. Teens receive the highest rates at $3,428 a year or more.
Average premium for full coverage: $870
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Z4 models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $426 for just liability coverage to the much higher price of $1,856 for high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why everyone should compare rates using their specific location and risk profile, rather than using averaged prices.
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.
Detailed Rate Analysis
The chart below details estimated BMW Z4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $529
- Drivers who choose higher $1,000 deductibles will pay $82 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $870
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $154 each year
- High-risk insureds with serious driving violations could pay around $1,856 or more
- The cost for full coverage for a teenage driver for full coverage can cost $3,428 a year
Insurance rates for a BMW Z4 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $800 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age
Where you live makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,170 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $784 | -$86 | -9.9% |
| Alaska | $666 | -$204 | -23.4% |
| Arizona | $720 | -$150 | -17.2% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $988 | $118 | 13.6% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $890 | $20 | 2.3% |
| Delaware | $984 | $114 | 13.1% |
| Florida | $1,084 | $214 | 24.6% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $626 | -$244 | -28.0% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $826 | -$44 | -5.1% |
| Kentucky | $1,182 | $312 | 35.9% |
| Louisiana | $1,286 | $416 | 47.8% |
| Maine | $536 | -$334 | -38.4% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $692 | -$178 | -20.5% |
| Michigan | $1,508 | $638 | 73.3% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,040 | $170 | 19.5% |
| Missouri | $772 | -$98 | -11.3% |
| Montana | $932 | $62 | 7.1% |
| Nebraska | $684 | -$186 | -21.4% |
| Nevada | $1,040 | $170 | 19.5% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $972 | $102 | 11.7% |
| New Mexico | $768 | -$102 | -11.7% |
| New York | $914 | $44 | 5.1% |
| North Carolina | $500 | -$370 | -42.5% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $598 | -$272 | -31.3% |
| Oklahoma | $890 | $20 | 2.3% |
| Oregon | $794 | -$76 | -8.7% |
| Pennsylvania | $826 | -$44 | -5.1% |
| Rhode Island | $1,158 | $288 | 33.1% |
| South Carolina | $788 | -$82 | -9.4% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $760 | -$110 | -12.6% |
| Texas | $1,048 | $178 | 20.5% |
| Utah | $642 | -$228 | -26.2% |
| Vermont | $592 | -$278 | -32.0% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $670 | -$200 | -23.0% |
| West Virginia | $794 | -$76 | -8.7% |
| Wisconsin | $598 | -$272 | -31.3% |
| Wyoming | $772 | -$98 | -11.3% |
Choosing higher comprehensive and collision insurance deductibles could save up to $240 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,500 additional per year, depending on your age. BMW Z4 insurance for high-risk drivers can cost around 44% to 128% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $854 | $71 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $870 | $73 |
Rates assume 2003 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 |
|---|---|---|---|---|
| 2006 BMW Z4 | $182 | $218 | $384 | $920 |
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 Find the Best Cheap BMW Z4 Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a quick review of the material that was covered in the above illustrations.
- Consumers who purchase more liability protection will pay approximately $410 every year to go from a minimum limit to 250/500 limits
- Youthful drivers are the costliest to insure, with premiums as much as $286 per month including comprehensive and collision insurance
- Drivers with a DUI or reckless driving violation pay on average $990 more per year than a low-risk driver
- Increasing deductibles can save around $225 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.
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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 | $3,428 |
| 20 | $1,972 |
| 30 | $888 |
| 40 | $870 |
| 50 | $798 |
| 60 | $782 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,024 |
| $250 | $954 |
| $500 | $870 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $945 |
| 100/300 | $1,039 |
| 250/500 | $1,284 |
| 100 CSL | $983 |
| 300 CSL | $1,190 |
| 500 CSL | $1,340 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,830 |
| 20 | $3,132 |
| 30 | $1,876 |
| 40 | $1,856 |
| 50 | $1,772 |
| 60 | $1,754 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $341 |
Discounts are estimated and may not be available from every company or in every state.
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