BMW Z4 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 including full coverage. Comprehensive costs around $194, collision insurance costs $262, and liability coverage costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,130. Teen drivers receive the highest rates at up to $3,850 a year.

Average premium for full coverage: $994

Rate estimates for individual coverage type:

Comprehensive $194
Collision $262
Liability $402

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Z4 models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $446 for just liability coverage to the much higher price of $2,130 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $994
High Risk $2,130

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

These examples highlight why everyone should compare rates for a specific zip code, rather than 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.

Detailed Rate Analysis

The chart below breaks down average 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 $104 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $994
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,190
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,130
  • The cost that insures a teenage driver for full coverage can be $3,850 a year

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing BMW Z4 insurance rates range from $594 to $3,850 for full coverage

Insurance rates for a BMW Z4 can also vary considerably based on the model of your Z4, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,200 to $1,600 extra per year, depending on your age. BMW Z4 insurance for high-risk drivers can cost around 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $3,800 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 $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.

BMW Z4 Insurance Rates by State
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%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Choosing high deductibles could save up to $300 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

BMW Z4 Insurance Rates by Model and Trim Level
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.

BMW Z4 Insurance Rates by Model Year
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 not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a summary of the concepts that were presented in the illustrations above.

  • Drivers who have multiple accidents or major violations may have to pay on average $1,140 more every year for auto insurance
  • Teenage drivers pay higher rates, as much as $321 per month if full coverage is included
  • You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $300 each year
  • You may be able to save up to $110 per year just by quoting online well ahead of the renewal date

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

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.

Rates by Driver Age

BMW Z4 Insurance 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

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,190
$250 $1,100
$500 $994
$1,000 $890

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
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

BMW Z4 Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $594

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles