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 prices for a BMW Z4 are $1,076 every 12 months with full coverage. Comprehensive insurance costs around $220 each year, collision insurance costs $314, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, and high-risk coverage costs $2,314 or more. Teens pay the highest rates at up to $4,118 a year.
Average premium for full coverage: $1,076
Price estimates for individual coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Z4 models.
Price Range from Low to High
Using a middle-aged driver as an example, BMW Z4 insurance prices range from the cheapest price of $450 for basic liability insurance to a high rate of $2,314 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below details average BMW Z4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $635
- Choosing higher $1,000 deductibles can save about $120 annually
- The average price for the average middle-age driver using $500 deductibles is $1,076
- Selecting low deductibles for comp and collision coverage costs an extra $234 annually
- Higher-risk drivers with serious driving violations could pay at least $2,314
- The price to insure a 16-year-old driver can be $4,118 each year
Auto insurance prices for a BMW Z4 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,300 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than the average policy. View High Risk Driver Rates
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 $780 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,450 on average in Florida, Michigan, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for More Affordable BMW Z4 Insurance
Getting lower rates on insurance for a BMW Z4 takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a summary of the data touched on in the above illustrations.
- Insureds who may need more liability coverage will pay approximately $450 every year to raise limits from a low limit to a 250/500 level
- You may be able to save up to $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $350 each year
- Teen drivers are expensive to insure, costing up to $343 a month if comprehensive and collision insurance 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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,204 |
| $500 | $1,076 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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