BMW Z4 Insurance Rates
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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.
Average insurance rates for a BMW Z4 are $994 a year with full coverage. Comprehensive insurance costs around $194, collision costs $262, and liability coverage costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $2,130 or more. 16-year-old drivers receive the highest rates at $3,850 a year or more.
Average premium for full coverage: $994
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Z4 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $446 for basic liability insurance to the much higher price of $2,130 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why everyone should compare prices for a specific zip code, rather than using rate 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 details estimated BMW Z4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $594
- Using higher $1,000 deductibles will save about $104 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $994
- Buying pricier low deductibles for physical damage coverage will cost an additional $196 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,130 or more
- The cost that insures a teenage driver for full coverage can be $3,850 or more
Auto insurance rates for a BMW Z4 can also vary considerably based on the model of your Z4, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,200 to $1,600 in extra premium per year, depending on your age. BMW Z4 insurance for high-risk drivers can be around 42% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $3,800 a year. View Rates by Age
Where you live has a huge impact on BMW Z4 insurance rates. A driver around age 40 might see rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or at least $1,340 on average in Florida, Michigan, 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% |
Opting for high physical damage deductibles could cut rates by as much as $300 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
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 Find More Affordable BMW Z4 Insurance
Saving money on auto insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a summary of the data raised in the charts and tables above.
- Consumers who may need increased liability limits will pay around $440 every year to increase from a minimum limit to the 250/500 level
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $300 each year
- Drivers under the age of 20 are expensive to insure, with premiums as much as $321 per month if the policy includes 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.
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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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