Online BMW Z4 Insurance Rates [Everything You Need to Know]
Average BMW Z4 insurance rates cost $1,444 a year, or around $120 a month. Comprehensive, collision, and liability insurance cost around $352, $513, and $407, respectively.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 15, 2021
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Key takeaways:
- Full coverage costs around $1,444 a year or $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 can save as much as $595 a year by earning policy discounts
- BMW Z4 insurance costs around $75 less per year than the average vehicle
Are you looking for BMW Z4 insurance rates? Full coverage for a BMW Z4 costs around $1,444 a year or $120 each month. Learn what you can do to save on insurance rates for a BMW Z4 in our comprehensive guide.
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.
BMW Z4 Insurance Cost
The average BMW Z4 car insurance rates are $1,444 a year or $120 a month.
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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 BMW M6, MINI Convertible, and Mercedes-Benz SL 450.
| Vehicle | Comprehensive | Collision | Liability | Total |
| BMW M6 | $520 | $1130 | $450 | $2,280 |
| MINI Convertible | $294 | $536 | $264 | $1,204 |
| Mercedes-Benz SL 450 | $482 | $922 | $398 | $1,960 |
| Mercedes-Benz SLC 300 | $432 | $804 | $398 | $1,792 |
| Buick Cascada | $332 | $656 | $398 | $1,544 |
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?
You might have noticed that there is a multitude of factors that impact BMW Z4 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the BMW Z4.
Age of the Vehicle
Older BMW Z4 models generally cost less to insure. For example, car insurance for a 2016 BMW Z4 costs $1,444, while 2010 BMW Z4 insurance costs 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 |
Driver Age
Driver age can have a significant impact on the cost of BMW Z4 auto insurance. For example, 20-year-old drivers pay as much as $1,830 more each year for their BMW Z4 auto insurance than 40-year-old drivers.
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 the cost of BMW Z4 auto insurance. Teens and drivers in their 20’s see the highest jump in their BMW Z4 auto insurance rates with violations on their driving record.
BMW Z4 Safety Ratings
Your BMW Z4 auto insurance rates are tied to the BMW Z4’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
BMW Z4 Crash Test Ratings
Not only do good BMW Z4 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper BMW Z4 auto insurance rates.
| 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 | ||||
|---|---|---|---|---|
BMW Z4 Safety Features
The BMW Z4 safety features can help lower insurance costs. The 2020 BMW Z4 has the following safety features:
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- BMW Assist eCall Emergency SOS
- 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
- Back-Up Camera
BMW Z4 Insurance Loss Probability
The lower percentage means lower BMW Z4 auto insurance rates; higher percentages mean higher BMW Z4 car insurance rates. The BMW Z4’s insurance loss probability varies for each form of coverage.
| 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 | |
BMW Z4 Finance and Insurance Cost
If you are financing a BMW Z4, most lenders will require your carry higher BMW Z4 coverage options including comprehensive coverage, so be sure to shop around and compare BMW Z4 auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on BMW Z4 Insurance
Save more on your BMW Z4 car insurance rates. Take a look at the following five strategies that will get you the best BMW Z4 auto insurance rates possible.
- Remove Unnecessary Insurance Once Your BMW Z4 is Paid Off
- Check Reviews and State Complaints Before You Choose an Insurer
- Ask About a Student Away from Home Discount
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Remove Young Drivers from Your BMW Z4 Insurance Plan
Top BMW Z4 Insurance Companies
Who is the top auto 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 | |||
Compare Free BMW Z4 Insurance Quotes Online
To start comparing BMW Z4 car insurance quotes for free, use our online car insurance comparison tool.
Average
Cost of Insurance
1,915.00 *
Min
1,030.00 *
Max
4,090.00 *
Crash Avoidence Features
Forward Collision Auto Brake
Not Available
Lane Departure Warning
Not Available
Land Departure Prevention
Not Available
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