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.
Average auto insurance rates for a BMW Z4 are $1,032 annually with full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $288, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs $2,216 or more. Teenage drivers receive the highest rates at up to $3,972 a year.
Average premium for full coverage: $1,032
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Z4 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $446 for your basic liability-only policy to the much higher price of $2,216 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, 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.
More Rate Information
The chart below details average BMW Z4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $613
- Raising to $1,000 deductibles will save $114 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,032
- Using pricier low deductibles costs an additional $214 every year
- At-risk drivers who are prone to accidents and violations could pay around $2,216
- The cost with full coverage for a teen driver for full coverage can cost $3,972
Insurance rates for a BMW Z4 can also vary considerably based on the trim level of your Z4, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 extra per year, depending on your age. BMW Z4 insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $330 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on BMW Z4 insurance prices. A middle-age driver might find rates as low as $740 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,390 on average in New York, Michigan, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheap BMW Z4 Insurance
Saving money on car insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a brief summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,180 more per year for auto insurance
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $325 each year
- Policyholders who purchase higher levels of liability will pay an extra $440 every year to raise from a minimum limit to higher 250/500 limits
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 | $3,972 |
| 20 | $2,346 |
| 30 | $1,060 |
| 40 | $1,032 |
| 50 | $944 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,246 |
| $250 | $1,146 |
| $500 | $1,032 |
| $1,000 | $918 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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