BMW Z4 Insurance Rates

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Is insurance high on a BMW?

In general, yes. As with any luxury vehicle, whether it's a Ferrari or Porsche, many factors can affect the cost of insurance. In this case, that includes the high turnover rate of luxury vehicles and typical repairs for your typical BMW that might be more expensive due to higher-quality parts used in the manufacturing process. These days, there are also higher repair costs associated with newer cars due to advanced computer systems and technology. This means the car will require a specialist who is very familiar with these types of cars in order to fix them properly and not void an already existing warranty.

How much is insurance on a 2003 BMW Z4?

The average premium for auto insurance in the US is $698.99

Is BMW Z4 worth it?

The BMW Z4 is a car that many can not understand. It's simply an overpriced Japanese roadster with Bavarian badges, they say. Well, this is partially true - in fact, you can find several examples of cars that are ''overpriced Japanese roadsters''. But the truth is not so simple...

BMW Z4BMW Z4

BMW Z4 Trims Available

BMW Z4 Trim Level Annual Policy 6-month Policy Per Month
sDrive 30i Convertible$1604$804$134
sDrive 30i Premium Convertible$1670$834$137
sDrive 30i Sport Convertible$1640$833$137
sDrive 30i Track Handling Convertible$1649$828$137
sDrive 30i Executive Convertible$1698$850$141
sDrive 40i Convertible$1752$871$144
sDrive 40i Executive Convertible$1796$901$149

Model by Year

Model Year Comprehensive Collision Liability Total Premium
2020 BMW Z4 $371 $664 $334 $1509
2019 BMW Z4 $355 $661 $337 $1505
2018 BMW Z4 $346 $648 $355 $1493
2016 BMW Z4 $316 $594 $374 $1418
2015 BMW Z4 $305 $549 $387 $1377
2014 BMW Z4 $290 $516 $392 $1343
2013 BMW Z4 $277 $463 $390 $1281
2012 BMW Z4 $259 $427 $392 $1221
2011 BMW Z4 $250 $399 $395 $1177
2010 BMW Z4 $246 $373 $403 $1169
2009 BMW Z4 $226 $348 $406 $1112
2008 BMW Z4 $219 $313 $407 $1078
2007 BMW Z4 $208 $289 $401 $1030
2006 BMW Z4 $194 $265 $401 $991
2005 BMW Z4 $187 $234 $400 $967
2004 BMW Z4 $184 $231 $389 $950
2003 BMW Z4 $182 $217 $385 $915

Cost by Driver Age and Deductibles

Driver Age Deductible Annual Cost Monthly Cost
20$996$2790$234
$504$3350$282
$250$3944$328
30$1007$1488$123
$499$1803$150
$250$2126$175
40$996$1393$118
$498$1676$140
$253$1986$166
50$995$1285$107
$503$1539$128
$250$1790$149
60$995$1247$104
$503$1518$126
$252$1782$149

Cost by State

State Premium Compared to U.S. Avg Percent Difference
Alabama $1369 $145 -9.7%
Alaska $1161 $353 -23.5%
Arizona $1254 $260 -17.4%
Arkansas $1514 -$0 0.0%
California $1726 $212 14.1%
Colorado $1446 $69 -4.5%
Connecticut $1553 $38 2.5%
Delaware $1710 $196 13.0%
Florida $1890 $376 25.0%
Georgia $1399 $115 -7.7%
Hawaii $1088 $426 -28.4%
Idaho $1026 $489 -32.6%
Illinois $1127 $388 -25.8%
Indiana $1141 $374 -24.9%
Iowa $1022 $493 -32.8%
Kansas $1438 $77 -5.1%
Kentucky $2066 $551 36.7%
Louisiana $2239 $725 48.4%
Maine $935 $579 -38.7%
Maryland $1250 $265 -17.7%
Massachusetts $1207 $307 -20.5%
Michigan $2629 $1115 74.3%
Minnesota $1270 $244 -16.3%
Mississippi $1813 $299 19.9%
Missouri $1343 $172 -11.4%
Montana $1625 $111 7.4%
Nebraska $1193 $321 -21.4%
Nevada $1815 $301 20.1%
New Hampshire $1090 $424 -28.3%
New Jersey $1692 $178 11.8%
New Mexico $1341 $174 -11.6%
New York $1593 $79 5.2%
North Carolina $870 $644 -42.9%
North Dakota $1240 $275 -18.3%
Ohio $1042 $472 -31.5%
Oklahoma $1553 $38 2.5%
Oregon $1387 $127 -8.5%
Pennsylvania $1442 $73 -4.8%
Rhode Island $2019 $505 33.6%
South Carolina $1371 $143 -9.6%
South Dakota $1278 $236 -15.7%
Tennessee $1325 $190 -12.6%
Texas $1825 $311 20.7%
Utah $1121 $394 -26.2%
Vermont $1034 $481 -32.0%
Virginia $905 $610 -40.7%
Washington $1169 $345 -23.0%
West Virginia $1389 $125 -8.4%
Wisconsin $1048 $466 -31.1%
Wyoming $1349 $166 -11.0%

Other BMW models

Other styles

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

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Discounts are estimated and may not be available from every company or in every state.

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