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

Average premium for full coverage: $994

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Z4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $594
• Drivers who choose higher $1,000 deductibles will pay around $890 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $994
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $196 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,130
• An auto insurance policy with full coverage for a teenage driver may cost $3,850 a year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher 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 could be paying at a minimum $1,200 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 a year, while buying higher liability limits will cost you more. Going 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 makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,420 on average in Michigan, Louisiana, and New York.

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 Affordable BMW Z4 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by getting rate quotes from direct carriers, and also from local insurance agents.

Below you'll find a brief review of the data that was covered above.

• Drivers can save as much as $110 per year just by quoting early and online
• Consumers who require more liability protection will pay an extra $440 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers pay higher prices, as much as $321 per month if they have full coverage
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,140 more each year than a low-risk driver

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.