Best BMW Z3 Car Insurance Quotes (2025)
The price of car insurance for the BMW Z3 depends on a lot of factors. Among the things that can impact your BMW Z3 car insurance rates are your driving history and where you live. Of course, the purchase price of the BMW Z3 also affects car insurance rates, and that depends on trim level and options.
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Tim Bain
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Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Dec 22, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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.
On This Page
- Crash test ratings have an impact on BMW Z3 auto insurance rates
- Safety features of the BMW Z3 can earn you a car insurance discount
- The cost of insurance for a BMW Z3 depends on the trim level
Buying a new car is both fun and a lot of work. If the BMW Z3 is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a BMW Z3 right here.
Take a look at what you can expect in terms of insurance rates for the BMW Z3 and compare it to other similar vehicles. Then find out how the BMW Z3 stacks up in terms of safety ratings and features, as well as what it costs to buy a BMW Z3 right here.
If you need insurance for a BMW Z3 right now, we can help. Enter your ZIP code for free BMW Z3 car insurance quotes from top companies.
Are vehicles like the BMW Z3 expensive to insure?
Take a look at how insurance rates for similar models to the BMW Z3 look. These insurance rates for other convertibles like the Chevrolet Corvette Stingr, Chrysler Le Baron, and Volkswagen Beetle Convert give you a good idea of what to expect.
Insurance Rates for Vehicles Similar to the BMW Z3
| Vehicle | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| Mercedes-Benz SLC 300 | $432 | $804 | $398 | $1,792 |
| Volkswagen Eos | $298 | $530 | $430 | $1,416 |
| BMW Z4 | $332 | $612 | $364 | $1,444 |
| Buick Cascada | $332 | $656 | $398 | $1,544 |
| Mercedes-Benz SL 450 | $482 | $922 | $398 | $1,960 |
| MINI Convertible | $294 | $536 | $264 | $1,204 |
| BMW M6 | $520 | $1,130 | $450 | $2,280 |
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What impacts the cost of BMW Z3 insurance?
As with any car, your BMW Z3 car insurance costs will be affected by personal factors like where you live, your driving record, and your driving habits. The BMW Z3 trim level you buy will also have an impact on the total price you will pay for BMW Z3 insurance coverage.
Ways to Save on BMW Z3 Insurance
There are several ways you can save even more on your BMW Z3 car insurance rates. Take a look at the following five tips:
- Remove unnecessary insurance once your BMW Z3 is paid off
- Make sure you use an accredited driver safety program
- Ask about BMW Z3 low mileage discounts
- Take a refresher course as an older driver
- Renew your BMW Z3 insurance coverage to avoid lapses
Top BMW Z3 Insurance Companies
What is the best company for affordable BMW Z3 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW Z3 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the BMW Z3.
Largest Auto Insurers by Market Share
| Rank | Company | Volume | Market Share |
|---|---|---|---|
| 1 | State Farm | $66,153,063 | 9.1% |
| 2 | GEICO | $46,358,896 | 6.4% |
| 3 | Progressive | $41,737,283 | 5.7% |
| 4 | Allstate | $39,210,020 | 5.4% |
| 5 | Liberty Mutual | $36,172,570 | 5.0% |
| 6 | Travelers | $28,786,741 | 4.0% |
| 7 | USAA | $24,621,246 | 3.4% |
| 8 | Chubb | $24,199,582 | 3.3% |
| 9 | Farmers | $20,083,339 | 2.8% |
| 10 | Nationwide | $18,499,967 | 2.5% |
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Comparing Free BMW Z3 Insurance Quotes Online
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Frequently Asked Questions
Why is car insurance important for a BMW Z3?
Car insurance is important for any vehicle, including a BMW Z3, because it provides financial protection in case of an accident or theft. Without insurance, you may have to pay for repairs or replacement out of pocket, which can be expensive.
What types of coverage are available for a BMW Z3?
The types of coverage available for a BMW Z3 include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
How can I find the best BMW Z3 car insurance quotes?
To find the best BMW Z3 car insurance quotes, you can compare quotes from multiple insurance providers. You can also consider factors such as the level of coverage you need, your driving history, and the discounts available to you.
What discounts are available for BMW Z3 car insurance?
Discounts that may be available for BMW Z3 car insurance include safe driver discounts, multi-car discounts, bundling discounts, and discounts for safety features such as anti-lock brakes and airbags.
How can I lower the cost of my BMW Z3 car insurance?
To lower the cost of your BMW Z3 car insurance, you can consider increasing your deductibles, taking advantage of available discounts, maintaining a clean driving record, and opting for a lower level of coverage if it is appropriate for your needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.