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.
Estimated insurance prices for a BMW Z4 are $1,076 every 12 months for full coverage insurance. Comprehensive costs an estimated $220, collision costs $314, and liability insurance is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $2,314. 16-year-old drivers pay the most at $4,118 a year or more.
Average premium for full coverage: $1,076
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Z4 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a BMW Z4 go from the cheapest price of $450 for basic liability insurance to the much higher price of $2,314 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The example below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated BMW Z4 insurance rates for other coverage scenarios.
- The best full coverage rate is $635
- Raising to $1,000 deductibles will save approximately $120 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,076
- Buying pricier low deductibles increases the price to $1,310
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,314 or more
- An auto insurance policy to insure a teen driver for full coverage can cost as much as $4,118
Insurance prices for a BMW Z4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $360 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. BMW Z4 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on BMW Z4 insurance rates. A middle-age driver might find prices as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,450 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $972 | -$104 | -9.7% |
| Alaska | $828 | -$248 | -23.0% |
| Arizona | $892 | -$184 | -17.1% |
| Arkansas | $1,076 | -$0 | 0.0% |
| California | $1,226 | $150 | 13.9% |
| Colorado | $1,026 | -$50 | -4.6% |
| Connecticut | $1,104 | $28 | 2.6% |
| Delaware | $1,218 | $142 | 13.2% |
| Florida | $1,344 | $268 | 24.9% |
| Georgia | $994 | -$82 | -7.6% |
| Hawaii | $774 | -$302 | -28.1% |
| Idaho | $728 | -$348 | -32.3% |
| Illinois | $800 | -$276 | -25.7% |
| Indiana | $812 | -$264 | -24.5% |
| Iowa | $726 | -$350 | -32.5% |
| Kansas | $1,022 | -$54 | -5.0% |
| Kentucky | $1,468 | $392 | 36.4% |
| Louisiana | $1,592 | $516 | 48.0% |
| Maine | $664 | -$412 | -38.3% |
| Maryland | $888 | -$188 | -17.5% |
| Massachusetts | $858 | -$218 | -20.3% |
| Michigan | $1,868 | $792 | 73.6% |
| Minnesota | $902 | -$174 | -16.2% |
| Mississippi | $1,288 | $212 | 19.7% |
| Missouri | $956 | -$120 | -11.2% |
| Montana | $1,156 | $80 | 7.4% |
| Nebraska | $848 | -$228 | -21.2% |
| Nevada | $1,290 | $214 | 19.9% |
| New Hampshire | $776 | -$300 | -27.9% |
| New Jersey | $1,204 | $128 | 11.9% |
| New Mexico | $952 | -$124 | -11.5% |
| New York | $1,134 | $58 | 5.4% |
| North Carolina | $620 | -$456 | -42.4% |
| North Dakota | $882 | -$194 | -18.0% |
| Ohio | $740 | -$336 | -31.2% |
| Oklahoma | $1,102 | $26 | 2.4% |
| Oregon | $986 | -$90 | -8.4% |
| Pennsylvania | $1,024 | -$52 | -4.8% |
| Rhode Island | $1,436 | $360 | 33.5% |
| South Carolina | $976 | -$100 | -9.3% |
| South Dakota | $908 | -$168 | -15.6% |
| Tennessee | $944 | -$132 | -12.3% |
| Texas | $1,296 | $220 | 20.4% |
| Utah | $796 | -$280 | -26.0% |
| Vermont | $734 | -$342 | -31.8% |
| Virginia | $644 | -$432 | -40.1% |
| Washington | $830 | -$246 | -22.9% |
| West Virginia | $986 | -$90 | -8.4% |
| Wisconsin | $742 | -$334 | -31.0% |
| Wyoming | $958 | -$118 | -11.0% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $1,054 | $88 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $1,076 | $90 |
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 | $314 | $592 | $376 | $1,418 |
| 2018 BMW Z4 | $302 | $548 | $384 | $1,370 |
| 2016 BMW Z4 | $278 | $464 | $390 | $1,268 |
| 2015 BMW Z4 | $260 | $426 | $390 | $1,212 |
| 2014 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2013 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2012 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2011 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2010 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2006 BMW Z4 | $182 | $218 | $384 | $920 |
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 the Right BMW Z4 Insurance
Finding better rates on BMW Z4 insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a quick rundown of the ideas that were covered in the above illustrations.
- Teens are charged the highest prices, with premiums being up to $343 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,240 more annually for Z4 insurance
- Increasing policy deductibles could save as much as $350 each year
- It is possible to save approximately $130 per year simply 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.
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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 | $4,118 |
| 20 | $2,450 |
| 30 | $1,110 |
| 40 | $1,076 |
| 50 | $986 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,204 |
| $500 | $1,076 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,076 |
| 50/100 | $1,157 |
| 100/300 | $1,259 |
| 250/500 | $1,523 |
| 100 CSL | $1,198 |
| 300 CSL | $1,421 |
| 500 CSL | $1,584 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,842 |
| 20 | $3,902 |
| 30 | $2,350 |
| 40 | $2,314 |
| 50 | $2,208 |
| 60 | $2,186 |
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 | $56 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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