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: 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:

Comprehensive $160
Collision $198
Liability $376

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.

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

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.

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

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

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

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.

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

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

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 $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.

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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