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.
The average insurance prices for a BMW Z4 are $994 every 12 months for full coverage insurance. Comprehensive costs an estimated $194, collision insurance costs $262, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs around $2,130. Teen drivers cost the most to insure at up to $3,850 a year.
Average premium for full coverage: $994
Policy rates broken down by type of insurance:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Z4 trim levels.
Price Range Variability
Using a middle-aged driver as an example, BMW Z4 insurance rates range from the cheapest price of $446 for the bare minimum liability coverage to a much higher rate of $2,130 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Additional Rate Information
The chart below illustrates average BMW Z4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $594
- Raising to $1,000 deductibles will save approximately $104 each year
- The average price for a good driver age 40 who has $500 deductibles is $994
- Choosing more expensive low deductibles increases the price to $1,190
- Drivers with multiple violations and an at-fault accident could pay up to $2,130
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $3,850
Insurance rates for a BMW Z4 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates
Your home state also has a big influence on BMW Z4 insurance prices. A middle-age driver might find rates as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,340 on average in Florida, New York, and Michigan.
| 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% |
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 Shop for Cheaper BMW Z4 Insurance
Finding cheaper rates on insurance for a BMW Z4 consists of being a low-risk driver, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a condensed summary of the primary concepts that were touched on in the above illustrations.
- It is possible to save approximately $110 per year just by shopping early and online
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,140 more annually to insure their Z4
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Teen drivers are charged the highest rates, possibly costing $321 each month if they have 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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