BMW Z4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 $1,076 a year for full coverage insurance. Comprehensive costs an estimated $220, collision insurance costs $314, and liability insurance costs $406. Liability-only coverage costs as little as $450 a year, and high-risk coverage costs around $2,314. Teenage drivers pay the highest rates at up to $4,118 a year.

Average premium for full coverage: $1,076

Price estimates broken down by individual coverage:

Comprehensive $220
Collision $314
Liability $406

Prices include $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Z4 trim levels.

Price Range from Low to High

For a driver around age 40, BMW Z4 insurance prices range from the low end price of $450 for the bare minimum liability coverage to a much higher rate of $2,314 for a policy for a high-risk driver.

Liability Only $450
Full Coverage $1,076
High Risk $2,314

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $807
Small Cities $1,130
Large Cities $1,453

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying 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 Information

The chart below illustrates average BMW Z4 insurance rates for other coverage scenarios.

  • The best discount rate is $635
  • Drivers who choose higher $1,000 deductibles will pay approximately $120 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,076
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,310
  • High risk drivers who are prone to accidents and violations could pay up to $2,314
  • The price that insures a teen driver with full coverage can cost as much as $4,118 a year

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing BMW Z4 insurance rates range from $635 to $4,118 for full coverage

Auto insurance prices for a BMW Z4 are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,800 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

The state you live in makes a big difference in BMW Z4 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,450 on average in Florida, New York, and Michigan.

BMW Z4 Insurance Rates by State
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%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Using high physical damage deductibles could save up to $360 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

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 $1,054 $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.

BMW Z4 Insurance Rates by Model Year
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 Find the Right BMW Z4 Insurance

Getting lower rates on BMW Z4 insurance not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the coverage data covered above.

  • It is possible to save approximately $130 per year just by shopping early and online
  • Increasing physical damage deductibles can save approximately $350 each year
  • Drivers age 20 and younger are the costliest to insure, as much as $343 a month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,240 more annually 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 $4,118
20 $2,450
30 $1,110
40 $1,076
50 $986
60 $966

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,310
$250 $1,204
$500 $1,076
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
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

BMW Z4 Insurance 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.

SR-22 Surcharge $146

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
Rate after discounts $635

Discounts are estimated and may not be available from every company or in every state.

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