BMW Z4 Insurance Cost

Auto insurance for a BMW Z4 will cost about $2,278 per year.

This is more than the national average for luxury convertible models by $384. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW Z4.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW Z4 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW Z4 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $7,717 $11,332 $13,256
18 $7,192 $10,560 $12,354
19 $6,356 $9,332 $10,918
20 $5,542 $8,137 $9,520
21 $4,647 $6,824 $7,983
22 $4,526 $6,646 $7,775
23 $3,960 $5,815 $6,803
24 $3,762 $5,524 $6,463
25 $3,247 $4,768 $5,577
30 $2,529 $3,714 $4,345
35 $2,369 $3,478 $4,069
40 $2,278 $3,345 $3,914
45 $2,217 $3,255 $3,808
55 $2,033 $2,986 $3,493
65 $2,121 $3,114 $3,643
75 $2,677 $3,931 $4,598

BMW Z4 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW Z4 by state.

BMW Z4 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,414 $3,506 $4,463
Alaska $1,997 $2,768 $2,690
Arizona $2,257 $3,263 $4,807
Arkansas $2,475 $3,888 $4,281
California $2,755 $4,873 $2,755
Colorado $2,571 $3,599 $4,566
Connecticut $3,285 $5,095 $6,467
Delaware $2,720 $3,624 $4,655
Florida $3,238 $4,480 $5,838
Georgia $2,640 $3,948 $3,980
Hawaii $1,055 $1,432 $1,055
Idaho $1,832 $2,429 $2,953
Illinois $1,918 $2,899 $3,305
Indiana $1,970 $3,012 $3,380
Iowa $1,561 $2,140 $2,517
Kansas $2,076 $3,021 $3,533
Kentucky $3,001 $4,406 $5,203
Louisiana $3,853 $5,824 $6,315
Maine $1,457 $2,014 $2,973
Maryland $2,358 $3,431 $3,811
Massachusetts $1,891 $3,298 $1,891
Michigan $4,562 $6,953 $10,966
Minnesota $1,878 $2,504 $3,526
Mississippi $2,267 $3,234 $3,255
Missouri $2,136 $3,054 $4,012
Montana $2,172 $3,031 $3,528
Nebraska $1,836 $2,715 $2,950
Nevada $3,028 $4,492 $4,745
New Hampshire $2,107 $3,331 $4,211
New Jersey $2,321 $3,641 $4,765
New Mexico $2,370 $3,526 $3,660
New York $2,195 $2,765 $4,615
North Carolina $1,361 $2,338 $1,667
North Dakota $1,862 $2,831 $3,347
Ohio $1,661 $2,561 $2,626
Oklahoma $2,652 $3,797 $4,275
Oregon $2,413 $3,238 $3,867
Pennsylvania $2,033 $2,984 $3,492
Rhode Island $3,394 $4,978 $5,605
South Carolina $2,305 $3,194 $4,408
South Dakota $2,068 $2,979 $3,438
Tennessee $2,432 $3,580 $4,767
Texas $2,449 $3,538 $4,401
Utah $2,083 $2,919 $4,017
Vermont $1,604 $2,470 $2,610
Virginia $1,511 $2,319 $2,273
Washington $2,000 $2,714 $3,241
West Virginia $2,012 $2,881 $3,610
Wisconsin $2,006 $3,131 $3,572
Wyoming $1,873 $2,622 $2,792

BMW Z4 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW Z4 ranks for Insurance compared to other vehicles. Also check out how the Z4 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW Z4 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW Z4 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: