BMW Z4 Car Insurance Cost 2025
The average annual cost to insure a BMW Z4 is $3,851. However, the actual premium you’ll pay may vary depending on factors like your age, the model year of the car, and other considerations. You can use our quote tables below to estimate your specific costs.
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If you’re thinking about buying a BMW Z4, one important consideration is the insurance cost. Insurance plays a vital role in car ownership, and it’s essential to understand the implications before making a purchase. On average, insurance for a BMW Z4 costs $3,851 per year.
Choosing the right insurance policy is crucial to avoid unexpected and potentially high expenses in the future. Inadequate coverage in the event of an accident can leave you facing significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed at fault.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as age, driving history, and location can all have a significant impact on insurance premiums.
How Much Does A BMW Z4 Car Insurance Cost?
Typically, BMW Z4 drivers can find car insurance at an average rate of $3,851 per year.
It’s important to understand that car insurance costs can vary widely depending on several factors. These include your location, driving history, the model year of your car, and the type of coverage you choose. A clean driving record often leads to lower premiums, while a history of accidents or traffic violations may result in higher costs.
Additionally, living in an urban area with heavy traffic may result in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also affects your premium—comprehensive coverage, which includes both comprehensive and collision, generally costs more than basic liability coverage.
As shown in the table below, the cost of insurance for a BMW Z4 is lower than the average for all BMW models, and also cheaper than the overall average for all cars.
Insuranceopedia is here to help you compare quotes from different auto insurance providers to ensure you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| BMW Z4 | $161 |
| All BMWs | $206 |
| All Cars | $175 |
Average Insurance Cost Of BMW Z4 By Model Year
| Model Year | Average Premium |
| 2023 BMW Z4 | $2,041 |
| 2022 BMW Z4 | $1,641 |
| 2021 BMW Z4 | $4,231 |
| 2020 BMW Z4 | $2,358 |
| 2016 BMW Z4 | $1,407 |
| 2015 BMW Z4 | $2,011 |
| 2014 BMW Z4 | $1,392 |
| 2013 BMW Z4 | $1,381 |
| 2012 BMW Z4 | $1,498 |
| 2011 BMW Z4 | $1,897 |
| 2010 BMW Z4 | $3,421 |
2023 BMW Z4 Insurance Rates
The average annual insurance cost for a 2023 BMW Z4 is $2,041. However, Erie offers the cheapest rates, averaging $1,403 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $2,884 |
| Metropolitan | $2,237 |
| State Farm | $1,674 |
| Nationwide | $2,256 |
| Penn National | $2,229 |
| Erie | $1,403 |
| GMAC Insurance Group | $1,956 |
| Allied | $2,085 |
| North Carolina Farm Bureau | $1,647 |
2022 BMW Z4 Insurance Rates
The average annual insurance cost for a 2022 BMW Z4 is $1,641. However, Dairyland offers the cheapest rates, averaging $304 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $2,493 |
| Plymouth Rock | $343 |
| Kemper Auto | $361 |
| Dairyland | $304 |
| Allied | $1,950 |
| Farm Bureau Mutual (IA Group) | $1,293 |
| New Jersey Manufacturers | $2,262 |
| Safeway | $2,682 |
| Country | $2,079 |
| California Capital | $2,646 |
2021 BMW Z4 Insurance Rates
The average annual insurance cost for a 2021 BMW Z4 is $4,231. However, USAA offers the cheapest rates, averaging $2,360 per year.
| Insurance Provider | Average Annual Cost |
| CSAA | $5,204 |
| 21st Century | $4,596 |
| Alliance United | $4,820 |
| USAA | $2,360 |
| Hartford | $5,264 |
| California Capital | $2,992 |
| Mercury | $4,851 |
| State Farm | $4,604 |
| Unitrin | $3,767 |
| Farmers | $3,848 |
2020 BMW Z4 Insurance Rates
The average annual insurance cost for a 2020 BMW Z4 is $2,358. However, Nationwide offers the cheapest rates, averaging $1,681 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,681 |
| California Capital | $2,355 |
| Mercury | $2,095 |
| Farmers | $2,498 |
| Alliance United | $2,869 |
| State Farm | $2,367 |
| CSAA | $3,024 |
| Allied | $2,041 |
| USAA | $1,765 |
| Unitrin | $2,888 |
2016 BMW Z4 Insurance Rates
The average annual insurance cost for a 2016 BMW Z4 is $1,407. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,095 per year.
| Insurance Provider | Average Annual Cost |
| Republic Indemnity | $1,752 |
| State Farm | $1,219 |
| Nationwide | $1,605 |
| Allied | $1,410 |
| CSAA | $1,721 |
| Texas Farm Bureau Group | $1,264 |
| USAA | $1,244 |
| Farm Bureau Mutual (IA Group) | $1,095 |
| Mercury | $1,626 |
| Travelers | $1,133 |
2015 BMW Z4 Insurance Rates
The average annual insurance cost for a 2015 BMW Z4 is $2,011. However, Nationwide offers the cheapest rates, averaging $661 per year.
| Insurance Provider | Average Annual Cost |
| National General | $2,156 |
| Liberty Mutual | $2,222 |
| State Farm | $1,456 |
| Oregon Mutual | $2,363 |
| Allied | $2,544 |
| Mercury | $2,637 |
| Clearcover | $381 |
| USAA | $2,649 |
| Sentry | $3,041 |
| Nationwide | $661 |
2014 BMW Z4 Insurance Rates
The average annual insurance cost for a 2014 BMW Z4 is $1,392. However, Nationwide offers the cheapest rates, averaging $820 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $1,344 |
| State Farm | $1,518 |
| 21st Century | $1,215 |
| California Capital | $1,565 |
| USAA | $1,271 |
| Mercury | $1,413 |
| Grange | $1,625 |
| Hartford | $1,480 |
| Nationwide | $820 |
| Allied | $1,667 |
2013 BMW Z4 Insurance Rates
The average annual insurance cost for a 2013 BMW Z4 is $1,381. However, USAA offers the cheapest rates, averaging $739 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,266 |
| Nationwide | $1,233 |
| ALFA | $1,871 |
| Auto-Owners Insurance Co | $1,348 |
| Farmers | $1,323 |
| Shelter | $1,319 |
| USAA | $739 |
| Cameron Mutual Group | $1,480 |
| State Farm | $1,458 |
| Columbia Insurance Group | $1,768 |
2012 BMW Z4 Insurance Rates
The average annual insurance cost for a 2012 BMW Z4 is $1,498. However, Erie offers the cheapest rates, averaging $705 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $2,076 |
| Nationwide | $1,430 |
| USAA | $971 |
| Central Mutual Insurance Co | $1,747 |
| Preferred Mutual | $1,184 |
| New York Central Mutual Fire | $427 |
| Esurance | $3,120 |
| Encompass | $1,987 |
| Travelers | $1,331 |
| Erie | $705 |
2011 BMW Z4 Insurance Rates
The average annual insurance cost for a 2011 BMW Z4 is $1,897. However, Direct Auto offers the cheapest rates, averaging $427 per year.
| Insurance Provider | Average Annual Cost |
| Farmers | $2,228 |
| Erie | $1,888 |
| California Capital | $2,175 |
| Liberty Mutual | $1,366 |
| Hartford | $2,168 |
| Metropolitan | $2,200 |
| Grange | $2,128 |
| CSAA | $2,303 |
| USAA | $2,084 |
| Direct Auto | $427 |
2010 BMW Z4 Insurance Rates
The average annual insurance cost for a 2010 BMW Z4 is $1,897. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,631 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $4,579 |
| Encompass | $4,575 |
| State Farm | $2,287 |
| Nationwide | $3,930 |
| Esurance | $4,369 |
| Texas Farm Bureau Group | $1,631 |
| Mercury | $3,476 |
| Chubb | $4,338 |
| USAA | $1,770 |
| Allstate | $3,253 |
Find Affordable BMW Z4 Insurance Rates
Is A BMW Z4 Expensive To Insure?
Insuring a BMW Z4 typically costs less than the overall average for all cars. However, the exact amount you’ll pay depends on several factors, including your age, the car’s age, your location, and more.
Cost of BMW Z4 Car Insurance By Age
Age is a key factor in determining insurance rates for any vehicle. Teenagers generally face the highest premiums since they are statistically more likely to be involved in accidents. As drivers age, their premiums typically decrease as they are considered lower-risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $13,036 | $19,100 | $22,309 |
| 18 | $12,130 | $17,798 | $20,846 |
| 19 | $10,672 | $15,742 | $18,364 |
| 20 | $9,344 | $13,733 | $16,008 |
| 21 | $7,873 | $11,499 | $13,453 |
| 22 | $7,594 | $11,197 | $13,097 |
| 23 | $6,657 | $9,831 | $11,477 |
| 24 | $6,367 | $9,317 | $10,861 |
| 25 | $5,439 | $8,018 | $9,411 |
| 30 | $4,255 | $6,284 | $7,358 |
| 35 | $4,037 | $5,894 | $6,906 |
| 40 | $3,882 | $5,654 | $6,623 |
| 45 | $3,704 | $5,498 | $6,397 |
| 55 | $3,430 | $5,064 | $5,897 |
| 65 | $3,598 | $5,230 | $6,132 |
| 75 | $4,562 | $6,599 | $7,710 |
BMW Z4 Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own regulations for auto insurance. For instance, Michigan drivers often face higher premiums due to the state’s requirement for more extensive coverage. Additionally, local climates can affect rates, with states prone to extreme weather like hurricanes, storms, or flooding often seeing higher insurance costs.
Crime and accident statistics in your area also play a role, including rates of car thefts, crashes, and vehicle fatalities. Insurance providers consider all these elements when calculating your specific BMW Z4 insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $4,045 | $5,878 | $7,507 |
| Alaska | $3,341 | $4,700 | $4,529 |
| Arizona | $3,772 | $5,531 | $8,090 |
| Arkansas | $4,137 | $6,591 | $7,240 |
| California | $4,653 | $8,264 | $4,668 |
| Colorado | $4,383 | $6,018 | $7,721 |
| Connecticut | $5,495 | $8,565 | $10,876 |
| Delaware | $4,596 | $6,111 | $7,822 |
| Florida | $5,486 | $7,504 | $9,887 |
| Georgia | $4,435 | $6,655 | $6,693 |
| Hawaii | $1,807 | $2,462 | $1,732 |
| Idaho | $3,074 | $4,063 | $5,007 |
| Illinois | $3,210 | $4,933 | $5,595 |
| Indiana | $3,354 | $5,092 | $5,681 |
| Iowa | $2,658 | $3,606 | $4,243 |
| Kansas | $3,477 | $5,097 | $5,923 |
| Kentucky | $5,032 | $7,398 | $8,747 |
| Louisiana | $6,492 | $9,836 | $10,676 |
| Maine | $2,453 | $3,349 | $4,997 |
| Maryland | $3,924 | $5,807 | $6,409 |
| Massachusetts | $3,221 | $5,559 | $3,144 |
| Michigan | $7,724 | $11,759 | $18,447 |
| Minnesota | $3,133 | $4,254 | $5,992 |
| Mississippi | $3,838 | $5,450 | $5,462 |
| Missouri | $3,650 | $5,125 | $6,756 |
| Montana | $3,632 | $5,129 | $5,993 |
| Nebraska | $3,084 | $4,614 | $5,002 |
| Nevada | $5,109 | $7,591 | $7,986 |
| New Hampshire | $3,558 | $5,661 | $7,058 |
| New Jersey | $3,910 | $6,172 | $8,076 |
| New Mexico | $3,998 | $5,960 | $6,122 |
| New York | $3,692 | $4,675 | $7,791 |
| North Carolina | $2,286 | $3,988 | $2,818 |
| North Dakota | $3,176 | $4,782 | $5,662 |
| Ohio | $2,802 | $4,320 | $4,443 |
| Oklahoma | $4,453 | $6,401 | $7,244 |
| Oregon | $4,070 | $5,460 | $6,556 |
| Pennsylvania | $3,474 | $5,001 | $5,850 |
| Rhode Island | $5,707 | $8,344 | $9,439 |
| South Carolina | $3,932 | $5,397 | $7,476 |
| South Dakota | $3,446 | $4,978 | $5,786 |
| Tennessee | $4,053 | $6,076 | $8,085 |
| Texas | $4,150 | $5,958 | $7,405 |
| Utah | $3,536 | $4,893 | $6,771 |
| Vermont | $2,710 | $4,177 | $4,399 |
| Virginia | $2,512 | $3,876 | $3,792 |
| Washington | $3,343 | $4,594 | $5,476 |
| West Virginia | $3,434 | $4,853 | $6,088 |
| Wisconsin | $3,364 | $5,315 | $6,002 |
| Wyoming | $3,112 | $4,463 | $4,740 |
Find Affordable BMW Z4 Insurance Rates
Cheapest Car Insurance Companies For A BMW Z4
If you’re shopping for a new car insurance policy for your BMW Z4, finding the most affordable provider is likely a priority. Mile Auto offers the lowest average premium at $16 per month, making them the cheapest option for BMW Z4 drivers. However, insurance rates can vary depending on your unique driver profile. To secure the best rates for your situation, it’s recommended to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Mile Auto | $16 |
| Acceptance | $42 |
| Workmens | $31 |
| Dairyland | $80 |
| Shelter Mutual | $47 |
Common BMW Z4 Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance costs. While each insurance company has its own discount options, here are some common ones to explore:
- Multi-policy: Bundling your auto and home insurance with the same provider often leads to a reduced rate.
- Pay annually: Paying your premium in a single lump sum instead of monthly installments can qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for lower premiums.
Other discounts may also be available based on your specific circumstances. To maximize your savings, consult your insurance agent, who can help identify discounts you qualify for.
Ways To Save On BMW Z4 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your BMW Z4 insurance premiums. Traffic violations, such as speeding tickets or accidents, can lead to higher costs. For instance, BMW Z4 drivers with a speeding ticket can expect to pay around $70 per month, while those with multiple accidents may face an average of $86 per month. Avoiding such incidents can help you maintain lower rates.
Additionally, your annual mileage affects your insurance costs. Drivers with lower mileage are considered lower-risk, as they have fewer opportunities to be involved in accidents. BMW Z4 owners driving between 5,000 and 7,500 miles annually typically pay about $62 per month, whereas those driving over 10,000 miles per year may pay closer to $78 per month.
Compare BMW Z4 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for this calculation featured a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures presented in this guide may differ from your own results due to individual factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW Z4?
You must provide proof of insurance before driving your BMW Z4 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase. This approach is often more cost-effective than obtaining insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your BMW Z4?
To secure the most affordable rates for your BMW Z4, it’s essential to shop around and compare quotes from various auto insurance providers. Insuranceopedia makes this process easy by offering a platform where you can compare quotes from multiple companies in one place.
