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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...

Insurance Lawyer

UPDATED: Jun 2, 2023

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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.

Estimated insurance rates for a BMW Z4 are $870 a year for full coverage insurance. Comprehensive costs around $160, collision costs $198, and liability coverage is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing around $1,856. 16-year-old drivers pay the most at $3,428 a year or more.

Average premium for full coverage: $870

Premium estimates for type of coverage:

Comprehensive $160
Collision $198
Liability $376

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Z4 trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a BMW Z4 go from the low end price of $426 for a discount liability-only rate to a much higher rate of $1,856 for a driver required to buy high-risk insurance.

Liability Only $426
Full Coverage $870
High Risk $1,856

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $653
Small Cities $914
Large Cities $1,175

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using rate averages.

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.

Rates by State, City, and Model

The chart below illustrates estimated BMW Z4 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $529
  • Raising to $1,000 deductibles will save about $82 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $870
  • Buying more expensive low deductibles bumps up the cost to $1,024
  • Unlucky drivers with multiple tickets or accidents could pay at least $1,856 or more
  • An auto insurance policy that insures a teenage driver with full coverage can be $3,428

View Chart as Image

BMW Z4 insurance cost comparison chart
Column chart showing full coverage BMW Z4 insurance rates range from $529 to $3,428

Insurance prices for a BMW Z4 also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,000 to $1,500 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 128% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $3,400 a year. View Rates by Age

Where you choose to live also has a big influence on BMW Z4 insurance rates. A middle-age driver might find prices as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,170 on average in Michigan, New York, and Florida.

BMW Z4 Insurance Rates by State
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%

View Chart as Image

BMW Z4 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $240 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially 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 $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.

BMW Z4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Best BMW Z4 Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief recap of the data covered in the above illustrations.

  • Consumers who may need higher liability limits will pay around $410 annually to raise from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save up to $100 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $225 each year
  • Teenagers pay higher prices, with premiums being up to $286 per month if full coverage is included

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 $3,428
20 $1,972
30 $888
40 $870
50 $798
60 $782

Full coverage, $500 deductibles

Rates by Deductible

BMW Z4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,024
$250 $954
$500 $870
$1,000 $788

Full coverage, driver age 40

Rates by Liability Limit

BMW Z4 Insurance Rates with Different Liability Limits
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

BMW Z4 Insurance 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.

SR-22 Surcharge $114

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
Rate after discounts $529

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

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