BMW Z4 Insurance Rates
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UPDATED: May 12, 2022
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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 $870 annually for full coverage insurance. Comprehensive costs an estimated $160 a year, collision costs $198, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing around $1,856. Teenage drivers receive the highest rates at $3,428 a year or more.
Average premium for full coverage: $870
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Z4 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $426 for your basic liability-only policy to a high of $1,856 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
These examples illustrate why it is important to compare prices for a targeted area 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.
More Rate Information
The chart below illustrates estimated BMW Z4 insurance rates for other coverage scenarios.
- The best discount rate is $529
- Using higher $1,000 deductibles will save approximately $788 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $870
- Using low $100 deductibles for physical damage coverage will cost $1,024
- High-risk insureds who are prone to accidents and violations could pay up to $1,856 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $3,428 or more
Auto insurance rates for a BMW Z4 can also vary considerably based on the trim level of your Z4, your risk profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $800 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,000 to $1,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 44% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $240 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on BMW Z4 insurance prices. A driver around age 40 might see rates as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,170 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $784 | -$86 | -9.9% |
| Alaska | $666 | -$204 | -23.4% |
| Arizona | $720 | -$150 | -17.2% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $988 | $118 | 13.6% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $890 | $20 | 2.3% |
| Delaware | $984 | $114 | 13.1% |
| Florida | $1,084 | $214 | 24.6% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $626 | -$244 | -28.0% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $826 | -$44 | -5.1% |
| Kentucky | $1,182 | $312 | 35.9% |
| Louisiana | $1,286 | $416 | 47.8% |
| Maine | $536 | -$334 | -38.4% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $692 | -$178 | -20.5% |
| Michigan | $1,508 | $638 | 73.3% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,040 | $170 | 19.5% |
| Missouri | $772 | -$98 | -11.3% |
| Montana | $932 | $62 | 7.1% |
| Nebraska | $684 | -$186 | -21.4% |
| Nevada | $1,040 | $170 | 19.5% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $972 | $102 | 11.7% |
| New Mexico | $768 | -$102 | -11.7% |
| New York | $914 | $44 | 5.1% |
| North Carolina | $500 | -$370 | -42.5% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $598 | -$272 | -31.3% |
| Oklahoma | $890 | $20 | 2.3% |
| Oregon | $794 | -$76 | -8.7% |
| Pennsylvania | $826 | -$44 | -5.1% |
| Rhode Island | $1,158 | $288 | 33.1% |
| South Carolina | $788 | -$82 | -9.4% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $760 | -$110 | -12.6% |
| Texas | $1,048 | $178 | 20.5% |
| Utah | $642 | -$228 | -26.2% |
| Vermont | $592 | -$278 | -32.0% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $670 | -$200 | -23.0% |
| West Virginia | $794 | -$76 | -8.7% |
| Wisconsin | $598 | -$272 | -31.3% |
| Wyoming | $772 | -$98 | -11.3% |
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different 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 | $854 | $71 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $870 | $73 |
Rates assume 2003 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 |
|---|---|---|---|---|
| 2006 BMW Z4 | $184 | $230 | $390 | $940 |
| 2003 BMW Z4 | $160 | $198 | $376 | $870 |
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 the Right BMW Z4 Insurance
Saving money on insurance for a BMW Z4 requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a quick rundown of the ideas that were presented in the illustrations above.
- Drivers age 16 to 20 are the costliest to insure, costing up to $286 per month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $990 more annually than a safer driver
- Increasing deductibles could save up to $225 each year
- It is possible to save approximately $100 per year simply by quoting early and online
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 | $3,428 |
| 20 | $1,972 |
| 30 | $888 |
| 40 | $870 |
| 50 | $798 |
| 60 | $782 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,024 |
| $250 | $954 |
| $500 | $870 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $945 |
| 100/300 | $1,039 |
| 250/500 | $1,284 |
| 100 CSL | $983 |
| 300 CSL | $1,190 |
| 500 CSL | $1,340 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,830 |
| 20 | $3,132 |
| 30 | $1,876 |
| 40 | $1,856 |
| 50 | $1,772 |
| 60 | $1,754 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $32 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $341 |
Discounts are estimated and may not be available from every company or in every state.
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