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.

U.S. average insurance rates for a BMW Z4 are $1,032 a year for full coverage insurance. Comprehensive insurance costs on average $206 each year, collision insurance costs $288, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,216 or more. 16-year-old drivers pay the highest rates at up to $3,972 a year.

Average premium for full coverage: $1,032

Price estimates by individual coverage:

Comprehensive $206
Collision $288
Liability $402

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Z4 models.

Price Range from Low to High

For an average driver, BMW Z4 insurance prices range from the low end price of $446 for your basic liability-only policy to a high rate of $2,216 for high-risk insurance.

Liability Only $446
Full Coverage $1,032
High Risk $2,216

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $774
Small Cities $1,084
Large Cities $1,393

The ranges above illustrate why all drivers should compare rates quotes based on a specific location, instead of 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.

More Rate Information

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

  • The best full coverage rate is $613
  • Raising to $1,000 deductibles will save around $114 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,032
  • Buying low deductibles will cost an additional $214 every year
  • At-risk drivers with multiple tickets or accidents could pay upwards of $2,216
  • The price that insures a teen driver may cost $3,972

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing BMW Z4 insurance prices range from $613 to $3,972 for full coverage

Insurance prices for a BMW Z4 are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

The state you live in also has a big influence on BMW Z4 insurance prices. A middle-age driver might find prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,390 on average in Michigan, New York, and Florida.

BMW Z4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $932 -$100 -9.7%
Alaska $790 -$242 -23.4%
Arizona $854 -$178 -17.2%
Arkansas $1,032 -$0 0.0%
California $1,174 $142 13.8%
Colorado $982 -$50 -4.8%
Connecticut $1,060 $28 2.7%
Delaware $1,164 $132 12.8%
Florida $1,286 $254 24.6%
Georgia $954 -$78 -7.6%
Hawaii $740 -$292 -28.3%
Idaho $698 -$334 -32.4%
Illinois $768 -$264 -25.6%
Indiana $778 -$254 -24.6%
Iowa $694 -$338 -32.8%
Kansas $980 -$52 -5.0%
Kentucky $1,404 $372 36.0%
Louisiana $1,526 $494 47.9%
Maine $636 -$396 -38.4%
Maryland $852 -$180 -17.4%
Massachusetts $822 -$210 -20.3%
Michigan $1,790 $758 73.4%
Minnesota $862 -$170 -16.5%
Mississippi $1,234 $202 19.6%
Missouri $914 -$118 -11.4%
Montana $1,106 $74 7.2%
Nebraska $810 -$222 -21.5%
Nevada $1,236 $204 19.8%
New Hampshire $744 -$288 -27.9%
New Jersey $1,154 $122 11.8%
New Mexico $910 -$122 -11.8%
New York $1,084 $52 5.0%
North Carolina $594 -$438 -42.4%
North Dakota $846 -$186 -18.0%
Ohio $710 -$322 -31.2%
Oklahoma $1,056 $24 2.3%
Oregon $944 -$88 -8.5%
Pennsylvania $982 -$50 -4.8%
Rhode Island $1,374 $342 33.1%
South Carolina $934 -$98 -9.5%
South Dakota $870 -$162 -15.7%
Tennessee $902 -$130 -12.6%
Texas $1,242 $210 20.3%
Utah $762 -$270 -26.2%
Vermont $702 -$330 -32.0%
Virginia $618 -$414 -40.1%
Washington $794 -$238 -23.1%
West Virginia $944 -$88 -8.5%
Wisconsin $712 -$320 -31.0%
Wyoming $918 -$114 -11.0%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $330 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each 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 $1,010 $84
BMW Z4 3.5I SDRIVE 2-Dr Roadster $1,032 $86

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 $302 $548 $384 $1,370
2018 BMW Z4 $290 $516 $388 $1,330
2016 BMW Z4 $260 $426 $390 $1,212
2015 BMW Z4 $250 $400 $394 $1,180
2014 BMW Z4 $244 $374 $402 $1,156
2013 BMW Z4 $226 $346 $402 $1,110
2012 BMW Z4 $220 $314 $406 $1,076
2011 BMW Z4 $206 $288 $402 $1,032
2010 BMW Z4 $194 $262 $402 $994
2006 BMW Z4 $166 $208 $380 $890

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 Right BMW Z4 Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the material that was covered in the above illustrations.

  • Policyholders who require additional liability coverage will pay around $440 annually to raise from a low limit to the 250/500 level
  • 16 to 18-year-old drivers pay higher prices, as much as $331 a month if comprehensive and collision insurance is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,180 more each year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $325 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.

Rates by Driver Age

BMW Z4 Insurance Rates by Driver Age
Driver Age Premium
16 $3,972
20 $2,346
30 $1,060
40 $1,032
50 $944
60 $926

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,246
$250 $1,146
$500 $1,032
$1,000 $918

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,032
50/100 $1,112
100/300 $1,213
250/500 $1,474
100 CSL $1,153
300 CSL $1,374
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 Insurance Rates for High Risk Drivers
Age Premium
16 $5,632
20 $3,736
30 $2,248
40 $2,216
50 $2,112
60 $2,092

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 $139

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $54
Homeowner $17
5-yr Accident Free $68
5-yr Claim Free $66
Paid in Full/EFT $41
Advance Quote $47
Online Quote $72
Total Discounts $419
Rate after discounts $613

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

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