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.
The average auto insurance rates for a BMW Z4 are $1,032 annually with full coverage. Comprehensive insurance costs around $206, collision costs $288, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,216 or more. Teenage drivers cost the most to insure at $3,972 a year or more.
Average premium for full coverage: $1,032
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Z4 models.
Price Range Variability
Using a middle-aged driver as an example, BMW Z4 insurance rates go from as cheap as $446 for minimum levels of liability insurance to the much higher price of $2,216 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities.
The example below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Details
The chart below details estimated 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 estimated rate for a good driver age 40 using $500 deductibles is $1,032
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $214 annually
- Drivers who are prone to accidents and violations could pay at least $2,216 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage can be $3,972 a year
Car insurance rates for a BMW Z4 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,200 to $1,700 extra every year, depending on your age. BMW Z4 insurance for high-risk drivers can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $330 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state 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.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.
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 Affordable BMW Z4 Insurance
Finding cheaper rates on insurance for a BMW Z4 not only requires having a good driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more every year to buy BMW Z4 insurance
- Drivers age 20 and younger are the costliest to insure, as much as $331 each month if comprehensive and collision insurance is included
- You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $325 each year
- You may be able to save up to $120 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 | $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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