Online BMW Z4 Insurance Rates [Everything You Need to Know]

Average BMW Z4 car insurance rates cost $120 per month ($1,444 per year). On average, comprehensive coverage costs $352, collision coverage costs $513, and liability coverage costs $407 for BMW Z4 insurance.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

You might think that BMW Z4 car insurance rates are astronomically high because it’s a sporty roadster. However, good drivers can save up to $595 a year on BMW Z4 rates by earning policy discounts. If you want to find out the best way possible to find affordable BMW Z4 insurance rates, be sure to read through this comprehensive article. It contains everything you need to know.

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 auto insurance rates for a BMW Z4 cost $1,444 a year or $120 a month.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Are BMW Z4s Expensive to Insure?

The chart below details how BMW Z4 insurance rates compare to other convertibles like the Buick Cascada, BMW M6, and Mercedes-Benz SLC 300.

Vehicle Comprehensive Collision Liability Total
Buick Cascada $332 $656 $398 $1,544
BMW M6 $520 $1130 $450 $2,280
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Mercedes-Benz SL 450 $482 $922 $398 $1,960
MINI Convertible $294 $536 $264 $1,204
Compare RatesStart Now →

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?

The BMW Z4 trim and model you choose can impact the total price you will pay for BMW Z4 auto insurance coverage.

Age of the Vehicle

The average BMW Z4 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2016 BMW Z4 cost $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
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on the cost of BMW Z4 auto insurance. For example, 20-year-old drivers pay approximately $1,766 each year for their BMW Z4 auto insurance than 30-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 $206 a year more than drivers in Houston.

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 Crash Test Ratings

BMW Z4 crash test ratings will affect your BMW Z4 car 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
Compare RatesStart Now →

BMW Z4 Safety Features

Having a variety of safety features on your BMW Z4 can help lower your insurance costs. According to AutoBlog, the 2020 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
  • 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

The BMW Z4’s insurance loss probability varies between different coverage types. 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
Compare RatesStart Now →

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Ways to Save on BMW Z4 Insurance

There are many ways that you can save on BMW Z4 car insurance. Below are five actions you can take to find cheap BMW Z4 auto insurance rates.

  • Use a Service Like Turo to Rent Out Your BMW Z4
  • Consider Renting a Car Instead of Buying a Second BMW Z4
  • Save Money on Young Driver BMW Z4 Insurance By Mentioning Grades or GPA
  • Remove Young Drivers from Your BMW Z4 Insurance Plan
  • Consider BMW Z4 Insurance Costs Before Buying a BMW Z4

Top BMW Z4 Insurance Companies

Several insurance companies offer competitive rates for the BMW Z4 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with BMW Z4 drivers organized by market share.

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 RatesStart Now →

Compare Free BMW Z4 Insurance Quotes Online

You can start comparing quotes for BMW Z4 insurance from some of the top car insurance companies by using our free online tool today.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State