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BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates

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U.S. average insurance prices for a BMW Z4 3.5I SDRIVE 2-Dr Roadster are $1,540 every 12 months for full coverage insurance. Comprehensive costs on average $396 each year, collision costs $698, and liability insurance costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing around $3,316. Teenage drivers pay the highest rates at $5,422 a year or more.

Annual premium for full coverage: $1,540

Price estimates by individual coverage:

Comprehensive $396
Collision $698
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this BMW Z4 Trim Level

For an average driver, BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance prices go from the cheapest price of $370 for just liability coverage to a high rate of $3,316 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,540
High Risk $3,316

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,155
Small Cities $1,617
Large Cities $2,079

These price ranges illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

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

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Insurance prices for a BMW Z4 3.5I SDRIVE 2-Dr Roadster are also quite variable based on deductibles and policy limits, your risk profile, and the model year of your Z4.

Using high physical damage deductibles could save up to $730 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates may be quite different.

View Chart as Image

BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance cost comparison chart
Column chart showing BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance prices range from $869 to $5,422 for full coverage

The chart estimates BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance rates for different coverage choices and risks. The lowest rate with discounts is $869. Drivers who use higher $1,000 deductibles will pay $1,292. The average rate for a 40-year-old male driver using $500 deductibles is $1,540. Using lower $100 deductibles for physical damage coverage can cost as much as $2,022. Drivers with multiple violations and accidents could be charged at least $3,316. The policy rate for full coverage insurance for a teen driver is $5,422.

BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,390 -$150 -9.7%
Alaska $1,180 -$360 -23.4%
Arizona $1,276 -$264 -17.1%
Arkansas $1,540 -$0 0.0%
California $1,754 $214 13.9%
Colorado $1,468 -$72 -4.7%
Connecticut $1,580 $40 2.6%
Delaware $1,740 $200 13.0%
Florida $1,922 $382 24.8%
Georgia $1,422 -$118 -7.7%
Hawaii $1,106 -$434 -28.2%
Idaho $1,042 -$498 -32.3%
Illinois $1,146 -$394 -25.6%
Indiana $1,158 -$382 -24.8%
Iowa $1,038 -$502 -32.6%
Kansas $1,460 -$80 -5.2%
Kentucky $2,098 $558 36.2%
Louisiana $2,278 $738 47.9%
Maine $948 -$592 -38.4%
Maryland $1,268 -$272 -17.7%
Massachusetts $1,226 -$314 -20.4%
Michigan $2,670 $1,130 73.4%
Minnesota $1,288 -$252 -16.4%
Mississippi $1,842 $302 19.6%
Missouri $1,366 -$174 -11.3%
Montana $1,652 $112 7.3%
Nebraska $1,212 -$328 -21.3%
Nevada $1,844 $304 19.7%
New Hampshire $1,110 -$430 -27.9%
New Jersey $1,720 $180 11.7%
New Mexico $1,360 -$180 -11.7%
New York $1,618 $78 5.1%
North Carolina $886 -$654 -42.5%
North Dakota $1,260 -$280 -18.2%
Ohio $1,062 -$478 -31.0%
Oklahoma $1,578 $38 2.5%
Oregon $1,410 -$130 -8.4%
Pennsylvania $1,466 -$74 -4.8%
Rhode Island $2,050 $510 33.1%
South Carolina $1,394 -$146 -9.5%
South Dakota $1,298 -$242 -15.7%
Tennessee $1,344 -$196 -12.7%
Texas $1,854 $314 20.4%
Utah $1,138 -$402 -26.1%
Vermont $1,052 -$488 -31.7%
Virginia $922 -$618 -40.1%
Washington $1,186 -$354 -23.0%
West Virginia $1,412 -$128 -8.3%
Wisconsin $1,064 -$476 -30.9%
Wyoming $1,370 -$170 -11.0%

View Chart as Image

BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance rates by U.S. city

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Rates by Driver Age

BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates by Driver Age
Driver Age Premium
16 $5,422
20 $3,526
30 $1,626
40 $1,540
50 $1,402
60 $1,376

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,022
$250 $1,800
$500 $1,540
$1,000 $1,292

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,540
50/100 $1,602
100/300 $1,680
250/500 $1,881
100 CSL $1,633
300 CSL $1,804
500 CSL $1,928

Full coverage, driver age 40

Rates for High Risk Drivers

BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates for High Risk Drivers
Age Premium
16 $7,794
20 $5,600
30 $3,414
40 $3,316
50 $3,158
60 $3,128

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 $214

Potential Rate Discounts

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

Discount Savings
Multi-policy $84
Multi-vehicle $78
Homeowner $20
5-yr Accident Free $121
5-yr Claim Free $100
Paid in Full/EFT $77
Advance Quote $79
Online Quote $112
Total Discounts $671
Rate after discounts $869

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

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