Are BMW Z4s Expensive to Insure? [Guide + Free Quotes]

Auto insurance rates for a BMW Z4 average $1,444 a year, or around $120 a month. Finding BMW Z4 teenager insurance rates can cost on average $5,278 a year, so shop around to find cheap coverage.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 15, 2022

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Key takeaways:

  • Full coverage costs around $1,444 a year or an average cost of $120 each month
  • A liability-only policy costs around $579 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,278 a year or $440 each month
  • Good drivers see the lowest rates, saving as much as $595 a year by earning policy discounts
  • BMW Z4 insurance costs around $75 less per year than the average vehicle

BMW Z4 insurance rates are about $75 less per year than the average vehicle. Full coverage costs about $1,444 a year or $120 a month, but drivers of an older BMW Z4 may decide to get only liability coverage which costs about $579 a year or $48 a month. Let’s look at BMW Z4 average rates, insurance loss data, and more.

You can start comparing quotes for BMW Z4 car insurance rates from some of the best car insurance companies by using our free online tool now. Comparison shopping is one of the best ways to make confident car insurance decisions and see cheaper rates.

BMW Z4 Insurance Cost

The average cost of insurance for a BMW Z4 are $1,444 a year or $120 a month. This isn’t the lowest of insurance prices you will see, yet it isn’t far from the most affordable car insurance costs you’ve likely run into.

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Are BMW Z4s expensive to insure?

The chart below details how BMW Z4 insurance rates compare to other convertibles like the Mercedes-Benz SL 450, MINI Convertible, and BMW M6.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz SL 450 $482 $922 $398 $1,960
MINI Convertible $294 $536 $264 $1,204
BMW M6 $520 $1,130 $450 $2,280
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Buick Cascada $332 $656 $398 $1,544
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However, there are a few things you can do to find the cheapest BMW insurance rates online.

What impacts the cost of BMW Z4 insurance?

Even though the average annual rate for the BMW Z4 is $1,444, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your BMW Z4.

Age of the Vehicle

Older BMW Z4 models generally cost less to insure. For example, car insurance rates for a 2016 BMW Z4 are $1,444, while 2010 BMW Z4 rates are $1,180, a difference of $264.

Model Year Comprehensive Collision Liability Total
2016 BMW Z4 $332 $612 $364 $1,444
2015 BMW Z4 $314 $592 $376 $1,418
2014 BMW Z4 $302 $548 $384 $1,370
2013 BMW Z4 $290 $516 $388 $1,330
2012 BMW Z4 $278 $464 $390 $1,268
2011 BMW Z4 $260 $426 $390 $1,212
2010 BMW Z4 $250 $400 $394 $1,180
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Driver Age

Driver age can have a significant effect on the cost of BMW Z4 car insurance. For example, 30-year-old drivers pay approximately $64 more for their BMW Z4 car insurance than 40-year-old drivers. A teen driver will see far higher rates than these other two age groups.

Driver Location

Where you live can have a large impact on BMW Z4 insurance rates. For example, drivers in Los Angeles may pay $1,242 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on your BMW Z4 car insurance rates. Teens and drivers in their 20’s see the highest jump in their BMW Z4 car insurance with violations on their driving record. A clean driving record and responsible driving behavior will see more insurance discounts some of the cheapest rates compared to someone without a clean record.

BMW Z4 Crash Test Ratings

Good BMW Z4 crash test ratings can lower your BMW Z4 auto insurance rates. See BMW Z4 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 BMW Z4 C RWD N/R N/R N/R N/R
2019 BMW Z4 C RWD N/R N/R N/R N/R
2016 BMW Z4 C RWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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BMW Z4 Safety Features

Most drivers don’t realize that not only do BMW Z4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower BMW Z4 auto insurance rates. The BMW Z4’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Active Protection
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Side Airbag Head Extension, Driver And Passenger Knee Airbag
  • Childseat Sensor
  • Outboard Front Lap And Shoulder Safety Belts -inc: Pretensioners
  • Back-Up Camera

BMW Z4 Insurance Loss Probability

Review the BMW Z4 car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower BMW Z4 auto insurance costs; higher percentages mean higher BMW Z4 auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 31%
Property Damage -33%
Comprehensive -22%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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BMW Z4 Finance and Insurance Cost

If you are financing a BMW Z4, you will pay more if you purchase BMW Z4 car insurance at the dealership, so be sure to shop around and compare BMW Z4 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on BMW Z4 Insurance

You have more options at your disposal to save money on your BMW Z4 car insurance costs. For example, try these five tips:

  • Ask About Usage-Based Insurance for Your BMW Z4
  • Buy a BMW Z4 with an Anti-Theft Device
  • Audit Your BMW Z4 Driving When You Move to a New Location or Start a New Job
  • Ask About Farm and Ranch Vehicle Discounts
  • Be Picky About Who Drives Your BMW Z4

Top BMW Z4 Insurance Companies

Who is the top car insurance company for BMW Z4 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW Z4 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the BMW Z4 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free BMW Z4 Insurance Quotes Online

Save money by comparing BMW Z4 insurance rates with free quotes online now!

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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