Best BMW Z4 Car Insurance Quotes (2024)
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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Jeffrey Manola
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Nov 27, 2023
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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: Nov 27, 2023
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.
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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 |
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 |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
What factors affect the cost of BMW Z4 car insurance quotes?
The cost of BMW Z4 car insurance quotes is affected by several factors, including the driver’s age, driving record, location, and credit score. The make and model of the car, as well as its safety features and repair costs, also play a role.
How can I find the best BMW Z4 car insurance quotes?
To find the best BMW Z4 car insurance quotes, it’s important to shop around and compare quotes from multiple insurance providers. You can do this online or by contacting insurance agents directly. Be sure to ask about discounts for good driving records, safety features, and bundling policies.
What are some ways to save money on BMW Z4 car insurance?
There are several ways to save money on BMW Z4 car insurance. Consider raising your deductible or reducing your coverage levels to lower your premium. You can also ask about discounts for good driving records, bundling policies, and safety features like anti-lock brakes and airbags. Finally, maintaining a good credit score can also help reduce your insurance costs.
Are there any specific BMW Z4 car insurance requirements?
Yes, there are specific BMW Z4 car insurance requirements. In most states, drivers are required to carry liability insurance, which covers damages to other people and property if you are at fault in an accident. Some states also require personal injury protection or uninsured/underinsured motorist coverage.
Should I choose a higher or lower deductible for my BMW Z4 car insurance?
The decision to choose a higher or lower deductible for your BMW Z4 car insurance depends on your individual needs and financial situation. A higher deductible can lower your premium but also means you’ll pay more out of pocket in the event of an accident. A lower deductible means you’ll pay a higher premium but may have lower out-of-pocket costs in the event of an accident.
What should I look for when choosing BMW Z4 car insurance?
When choosing BMW Z4 car insurance, it’s important to look for a policy that offers adequate coverage for your needs and budget. Consider factors like the deductible, coverage limits, and exclusions. You should also look for an insurance provider with a good reputation for customer service and claims handling.
Can I add additional coverage to my BMW Z4 car insurance policy?
Yes, you can add additional coverage to your BMW Z4 car insurance policy. Common types of additional coverage include collision coverage, which covers damages to your own vehicle in the event of an accident, and comprehensive coverage, which covers non-collision damages like theft, vandalism, and weather-related damage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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.