BMW Z4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 rates for a BMW Z4 are $1,032 a year for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $288, and liability is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs $2,216 or more. Teen drivers pay the highest rates at up to $3,972 a year.
Average premium for full coverage: $1,032
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Z4 trim levels.
Price Range from Low to High
For a driver in their 40's, BMW Z4 insurance prices range from as low as $446 for a discount liability-only rate to a much higher rate of $2,216 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price 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 average BMW Z4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $613
- Raising to $1,000 deductibles will save approximately $114 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,032
- Choosing more expensive low deductibles will cost an extra $214 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,216
- The price for full coverage for a 16-year-old driver with full coverage can cost as much as $3,972
Auto insurance prices for a BMW Z4 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age
The state you live in also has a big influence on BMW Z4 insurance prices. A middle-age driver might find prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,390 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$100 | -9.7% |
| Alaska | $790 | -$242 | -23.4% |
| Arizona | $854 | -$178 | -17.2% |
| Arkansas | $1,032 | -$0 | 0.0% |
| California | $1,174 | $142 | 13.8% |
| Colorado | $982 | -$50 | -4.8% |
| Connecticut | $1,060 | $28 | 2.7% |
| Delaware | $1,164 | $132 | 12.8% |
| Florida | $1,286 | $254 | 24.6% |
| Georgia | $954 | -$78 | -7.6% |
| Hawaii | $740 | -$292 | -28.3% |
| Idaho | $698 | -$334 | -32.4% |
| Illinois | $768 | -$264 | -25.6% |
| Indiana | $778 | -$254 | -24.6% |
| Iowa | $694 | -$338 | -32.8% |
| Kansas | $980 | -$52 | -5.0% |
| Kentucky | $1,404 | $372 | 36.0% |
| Louisiana | $1,526 | $494 | 47.9% |
| Maine | $636 | -$396 | -38.4% |
| Maryland | $852 | -$180 | -17.4% |
| Massachusetts | $822 | -$210 | -20.3% |
| Michigan | $1,790 | $758 | 73.4% |
| Minnesota | $862 | -$170 | -16.5% |
| Mississippi | $1,234 | $202 | 19.6% |
| Missouri | $914 | -$118 | -11.4% |
| Montana | $1,106 | $74 | 7.2% |
| Nebraska | $810 | -$222 | -21.5% |
| Nevada | $1,236 | $204 | 19.8% |
| New Hampshire | $744 | -$288 | -27.9% |
| New Jersey | $1,154 | $122 | 11.8% |
| New Mexico | $910 | -$122 | -11.8% |
| New York | $1,084 | $52 | 5.0% |
| North Carolina | $594 | -$438 | -42.4% |
| North Dakota | $846 | -$186 | -18.0% |
| Ohio | $710 | -$322 | -31.2% |
| Oklahoma | $1,056 | $24 | 2.3% |
| Oregon | $944 | -$88 | -8.5% |
| Pennsylvania | $982 | -$50 | -4.8% |
| Rhode Island | $1,374 | $342 | 33.1% |
| South Carolina | $934 | -$98 | -9.5% |
| South Dakota | $870 | -$162 | -15.7% |
| Tennessee | $902 | -$130 | -12.6% |
| Texas | $1,242 | $210 | 20.3% |
| Utah | $762 | -$270 | -26.2% |
| Vermont | $702 | -$330 | -32.0% |
| Virginia | $618 | -$414 | -40.1% |
| Washington | $794 | -$238 | -23.1% |
| West Virginia | $944 | -$88 | -8.5% |
| Wisconsin | $712 | -$320 | -31.0% |
| Wyoming | $918 | -$114 | -11.0% |
Choosing high deductibles can reduce prices by up to $330 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW Z4 3.0I SDRIVE 2-Dr Roadster | $1,010 | $84 |
| BMW Z4 3.5I SDRIVE 2-Dr Roadster | $1,032 | $86 |
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 | $302 | $548 | $384 | $1,370 |
| 2018 BMW Z4 | $290 | $516 | $388 | $1,330 |
| 2016 BMW Z4 | $260 | $426 | $390 | $1,212 |
| 2015 BMW Z4 | $250 | $400 | $394 | $1,180 |
| 2014 BMW Z4 | $244 | $374 | $402 | $1,156 |
| 2013 BMW Z4 | $226 | $346 | $402 | $1,110 |
| 2012 BMW Z4 | $220 | $314 | $406 | $1,076 |
| 2011 BMW Z4 | $206 | $288 | $402 | $1,032 |
| 2010 BMW Z4 | $194 | $262 | $402 | $994 |
| 2006 BMW Z4 | $166 | $208 | $380 | $890 |
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 Cheap BMW Z4 Insurance
Getting lower rates on insurance for a BMW Z4 consists of being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a quick review of the material that was covered in the charts and tables above.
- Insureds who want more liability protection will pay about $440 annually to raise from a low limit to 250/500 limits
- Youthful drivers are the costliest to insure, as much as $331 a month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,180 more annually than a low-risk driver
- Increasing physical damage deductibles can save around $325 each year
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $3,972 |
| 20 | $2,346 |
| 30 | $1,060 |
| 40 | $1,032 |
| 50 | $944 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,246 |
| $250 | $1,146 |
| $500 | $1,032 |
| $1,000 | $918 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,032 |
| 50/100 | $1,112 |
| 100/300 | $1,213 |
| 250/500 | $1,474 |
| 100 CSL | $1,153 |
| 300 CSL | $1,374 |
| 500 CSL | $1,535 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,632 |
| 20 | $3,736 |
| 30 | $2,248 |
| 40 | $2,216 |
| 50 | $2,112 |
| 60 | $2,092 |
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 | $54 |
| Multi-vehicle | $54 |
| Homeowner | $17 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $41 |
| Advance Quote | $47 |
| Online Quote | $72 |
| Total Discounts | $419 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
