BMW Z4 3.0I SDRIVE 2-Dr Roadster Insurance Rates

U.S. average insurance rates for a BMW Z4 3.0I SDRIVE 2-Dr Roadster are $1,494 a year for full coverage. Comprehensive insurance costs an estimated $382 a year, collision insurance costs $666, and liability insurance costs around $310. Buying just liability costs as low as $370 a year, and insurance for high-risk drivers costs $3,214 or more. Teen drivers pay the highest rates at up to $5,278 a year.

Annual premium for full coverage: $1,494

Price estimates broken down by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this BMW Z4 Trim Level

These price ranges show why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a BMW Z4 3.0I SDRIVE 2-Dr Roadster are also quite variable based on your driving record, the model year of your Z4, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $700 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 127% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and rates may be quite different from one company to the next.

View Chart as Image

Chart shows BMW Z4 3.0I SDRIVE 2-Dr Roadster insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $845. Drivers who choose higher $1,000 deductibles will pay around $1,256. The average rate for a driver around age 40 using $500 deductibles is $1,494. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,956. High risk drivers could be charged at least $3,214. The cost for full coverage for a teenage driver can be as high as $5,278.

View Chart as Image