Are BMW Z4s Expensive to Insure? [Rates + Cheap Coverage Guide]

BMW Z4 insurance costs around $120 a month for full coverage, but good drivers can save as much as $185 per month over high-risk drivers on their BMW Z4 insurance coverage. Find the best car insurance deal when you compare BMW Z4 insurance quotes online with our free tool. Read this guide for more ways to save money on your BMW Z4 insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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

BMW Z4 insurance rates are $48 per month for liability-only coverage, $120 per month for full coverage, and $440 per month for teen drivers. Through policy discounts, you can lower BMW Z4 insurance rates for teen drivers. Continue reading to learn more.

You can start comparing quotes for BMW Z4 insurance rates from some of the best auto insurance companies by using our free online tool now.

BMW Z4 Insurance Cost

The average BMW Z4 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 Mercedes-Benz SLC 300, Buick Cascada, and Mercedes-Benz SL 450.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
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 $1130 $450 $2,280
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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?

You might have noticed that there is a multitude of factors that impact BMW Z4 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, auto 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
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Driver Age

Driver age can have a significant effect on BMW Z4 insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their BMW Z4 auto insurance than a 40-year-old driver.

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 insurance rates are tied to the safety ratings of the BMW Z4. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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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

The safety features of the BMW Z4 can impact your BMW Z4 car insurance rates. The 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
  • 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

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
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BMW Z4 Finance and Insurance Cost

When 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 insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on BMW Z4 Insurance

You can save more money on your BMW Z4 auto insurance rates by employing any of the following five strategies.

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Get BMW Z4 Auto Insurance Through Costco
  • Watch Your Insurer Closely When Your BMW Z4 Needs Repairs
  • Check the Odometer on Your BMW Z4
  • Make Sure You Use an Accredited Driver Safety Program

Top BMW Z4 Insurance Companies

Who is the best 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
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Compare Free BMW Z4 Insurance Quotes Online

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

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