BMW Z4 Car Insurance Cost
To insure a BMW Z4, it typically costs about $1,647 annually through North Carolina Farm Bureau. However, the actual expenses can vary based on factors such as age, the model year of the car, and other considerations. You can utilize our quote tables below to determine the potential cost for your specific situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
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.
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 BMW Z4 Car Insurance Cost?
Typically, North Carolina Farm Bureau provides the most competitive price, averaging $1,647 annually, for full coverage insurance on a 2023 BMW Z4.
While Erie’s pricing serves as a good reference point, it’s essential to recognize that the expense of car insurance can vary significantly based on several factors. These factors encompass your geographical location, driving record, the age of your car, and the specific coverage options you select. Maintaining a clean driving history may result in lower premiums, whereas a record of accidents or traffic violations can lead to higher costs.
Moreover, residing in urban areas with heavy traffic might incur higher insurance rates compared to rural regions with less traffic congestion. The type of coverage you opt for will also influence your premium amount. Comprehensive coverage, which includes protection against various incidents and collisions, generally comes at a higher cost than basic liability coverage.
Insuranceopedia exists to aid you in exploring different insurance providers and comparing quotes, ensuring you secure the most advantageous deal available.
2023 BMW Z4 Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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 |
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Cost of BMW Z4 Car Insurance By Age
| 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
| 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 |
Compare BMW Z4 To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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