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Are BMW Z4s Expensive to Insure? [How to Find Cheap Rates]

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 about $75 less yearly than the average vehicle in the U.S. Full coverage costs about $1,444 a year or $120 a month.

Good drivers can save up to $595 a year in policy discounts Let’s look at BMW Z4 insurance 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.

Table of Contents

BMW Z4 Insurance Cost

The average BMW Z4 auto insurance costs are $1,444 a year or $120 a month.

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, MINI Convertible, and BMW M6.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
MINI Convertible $294 $536 $264 $1,204
BMW M6 $520 $1,130 $450 $2,280
Buick Cascada $332 $656 $398 $1,544
Mercedes-Benz SL 450 $482 $922 $398 $1,960
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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 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 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
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Driver Age

Driver age can have a significant impact on BMW Z4 auto insurance rates. For instance, a 30-year-old driver may pay $64 more each year for 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 car insurance. Teens and drivers in their 20’s see the highest jump in their BMW Z4 car insurance with violations on their driving record.

BMW Z4 Crash Test Ratings

BMW Z4 crash test ratings can impact your BMW Z4 car 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 BMW Z4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your 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

The lower percentage means lower BMW Z4 car insurance rates; higher percentages mean higher BMW Z4 auto insurance rates. Insurance loss probability on the BMW Z4 fluctuates between each type 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
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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.

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.

  • Ask About BMW Z4 Low Mileage Discounts
  • Take Public Transit Instead of Driving Your BMW Z4
  • Buy Winter Tires for Your BMW Z4
  • Consider Ride Sharing Services to Lower Your BMW Z4 Mileage
  • Ask About Loyalty Discounts

Top BMW Z4 Insurance Companies

The best auto insurance companies for BMW Z4 car insurance rates will offer competitive rates, discounts, and account for the BMW Z4’s safety features. The following list of car insurance companies outlines which companies hold the highest 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
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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.


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