BMW Z4 Insurance Rates

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.

The average insurance rates for a BMW Z4 are $1,076 a year for full coverage. Comprehensive insurance costs around $220, collision insurance costs $314, and liability costs around $406. Liability-only coverage costs as low as $450 a year, and high-risk coverage costs $2,314 or more. Teens cost the most to insure at up to $4,118 a year.

Average premium for full coverage: $1,076

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Z4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average BMW Z4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $635
• Using higher $1,000 deductibles will save about $120 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,076
• Selecting pricier low deductibles for physical damage coverage will cost an extra $234 every year
• Drivers with serious driving violations could pay at least $2,314
• Policy cost for full coverage for a teen driver for full coverage can be $4,118 or more

View Chart as Image

Insurance rates for a BMW Z4 also range considerably based on your risk profile, the trim level of your Z4, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age

Your home state has a huge impact on BMW Z4 insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,540 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional every year, depending on your age. BMW Z4 insurance for high-risk drivers can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost BMW Z4 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,240 more every year for car insurance
• Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $350 each year
• Policyholders who may need higher liability limits will pay approximately $450 each year to increase from a 30/60 limit to 250/500 limits

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.

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.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A4 Insurance Rates

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.