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

BMW Z4 insurance rates cost $1,444 a year, or around $120 a month. Good drivers can save as much as $2,227 a year over high-risk drivers.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 28, 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.

VehicleComprehensiveCollisionLiabilityTotal
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

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 YearComprehensiveCollisionLiabilityTotal
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 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 TypeRating
Small overlap front: driver-sideNot Tested
Small overlap front: passenger-sideNot Tested
Moderate overlap frontNot Tested
SideNot Tested
Roof strengthNot Tested
Head restraints and seatsNot Tested
Source: Insurance Institute for Highway Safety

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 TestedOverallFrontalSideRollover
2020 BMW Z4 C RWDN/RN/RN/RN/R
2019 BMW Z4 C RWDN/RN/RN/RN/R
2016 BMW Z4 C RWDN/RN/RN/RN/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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 CategoryLoss Rate
Collision31%
Property Damage-33%
Comprehensive-22%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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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