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.
Average insurance prices for a BMW Z4 are $1,076 every 12 months for full coverage. Comprehensive costs on average $220, collision costs $314, and liability is estimated at $406. Buying just liability costs approximately $450 a year, with insurance for high-risk drivers costing around $2,314. 16-year-old drivers receive the highest rates at $4,118 a year or more.
Average premium for full coverage: $1,076
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Z4 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $450 for a discount liability-only rate to the much higher price of $2,314 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
These examples show why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on rate 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 shows estimated BMW Z4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $635
- Choosing higher $1,000 deductibles can save around $120 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,076
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,310
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,314 or more
- The cost to insure a 16-year-old driver for full coverage may cost $4,118 each year
Auto insurance rates for a BMW Z4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Z4.
Opting for high physical damage deductibles can save as much as $360 annually, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. BMW Z4 insurance for high-risk drivers ranges from 44% to 135% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for BMW Z4 insurance prices. A good driver about age 40 could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or at least $1,540 on average in Michigan, Louisiana, 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% |
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.
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
Saving money on insurance for a BMW Z4 takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a summary of the coverage data touched on in this article.
- Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $350 each year
- Drivers under the age of 20 are charged the highest rates, costing as high as $343 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,240 more each year to insure a BMW Z4
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 | $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.
Compare Rates and Save
Find companies with the cheapest rates in your area
