BMW Z4 Insurance Rates

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Lower Your 2010 BMW Z4 Car Insurance Quotes in 2025

If shopping for auto insurance quotes online is new to you, by this point your are probably confused due to the large selection of online insurance coverage companies and websites all offering big savings. Auto insurance discounts help reduce rates Car insurance is not cheap, but you might already qualify for some discounts to help offset the cost. A few discounts will be applied when you get a ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 $1,032 every 12 months with full coverage. Comprehensive costs around $206 each year, collision insurance costs $288, and liability costs $402. A policy with only liability insurance costs as little as $446 a year, and a high-risk policy costs around $2,216. Teenage drivers pay the most at up to $3,972 a year.

Average premium for full coverage: $1,032

Premium estimates for type of coverage:

Comprehensive $206
Collision $288
Liability $402

Includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Z4 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a BMW Z4 range from the cheapest price of $446 for just liability coverage to a high rate of $2,216 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences demonstrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using average rates.

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 details average BMW Z4 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $613
  • Drivers who choose higher $1,000 deductibles will pay about $114 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,032
  • Using low deductibles for comprehensive and collision insurance increases the price to $1,246
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,216
  • An auto insurance policy to insure a teen driver can be $3,972 a year

View Chart as Image

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

Car insurance prices for a BMW Z4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $330 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in BMW Z4 insurance prices. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,390 on average in Florida, Michigan, and New York.

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

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 Shop for the Cheapest BMW Z4 Insurance

Finding better rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The next list is a recap of the data that was covered in the above illustrations.

  • You may be able to save up to $120 per year just by quoting online in advance
  • Policyholders who may need increased levels of liability coverage will pay an extra $440 every year to go from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 20 and younger are the costliest to insure, possibly costing $331 per month if the policy includes full coverage
  • Higher risk drivers that have major violations or accidents pay on average $1,180 more every year to buy BMW Z4 insurance

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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