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.

U.S. average insurance rates for a BMW Z4 are $1,032 a year for full coverage. Comprehensive costs on average $206 a year, collision costs $288, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing around $2,216. Teenage drivers pay the highest rates at $3,972 a year or more.

Average premium for full coverage: $1,032

Price estimates by individual coverage:

Comprehensive $206
Collision $288
Liability $402

Prices are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Z4 trim levels.

Price Range from Low to High

For an average driver, BMW Z4 insurance prices go from the low end price of $446 for just the minimum liability insurance to a high of $2,216 for high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

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

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

The ranges above show why it is important to get quotes based on a specific location, 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 Analysis

The chart below shows estimated BMW Z4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $613
  • Choosing higher $1,000 deductibles can save around $918 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,032
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,246
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,216 or more
  • The price that insures a 16-year-old driver may cost $3,972 each year

View Chart as Image

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

Car insurance prices for a BMW Z4 are also quite variable based on the trim level of your Z4, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for BMW Z4 insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,470 on average in Michigan, Louisiana, 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

Using high physical damage deductibles can save as much as $330 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

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 Find Affordable BMW Z4 Insurance

Getting lower rates on insurance for a BMW Z4 takes having a good driving record, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a brief review of the material that was covered in the above illustrations.

  • Insureds who require increased levels of liability coverage will pay an extra $440 each year to raise limits from a low limit to the 250/500 level
  • Drivers age 20 and younger are expensive to insure, with premiums as much as $331 a month if full coverage is purchased
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more each year to buy BMW Z4 insurance
  • Increasing physical damage deductibles can save approximately $325 each year

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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