BMW Z4 3.5I SDRIVE 2-Dr Roadster Insurance Rates

U.S. average insurance prices for a BMW Z4 3.5I SDRIVE 2-Dr Roadster are $1,540 every 12 months for full coverage insurance. Comprehensive costs on average $396 each year, collision costs $698, and liability insurance costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing around $3,316. Teenage drivers pay the highest rates at $5,422 a year or more.

Annual premium for full coverage: $1,540

Price estimates by individual coverage:

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

Price Range for Insurance for this BMW Z4 Trim Level

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These price ranges illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance prices for a BMW Z4 3.5I SDRIVE 2-Dr Roadster are also quite variable based on deductibles and policy limits, your risk profile, and the model year of your Z4.

Using high physical damage deductibles could save up to $730 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates may be quite different.

View Chart as Image

The chart estimates BMW Z4 3.5I SDRIVE 2-Dr Roadster insurance rates for different coverage choices and risks. The lowest rate with discounts is $869. Drivers who use higher $1,000 deductibles will pay $1,292. The average rate for a 40-year-old male driver using $500 deductibles is $1,540. Using lower $100 deductibles for physical damage coverage can cost as much as $2,022. Drivers with multiple violations and accidents could be charged at least $3,316. The policy rate for full coverage insurance for a teen driver is $5,422.

View Chart as Image