BMW Z4 Insurance Cost

Auto insurance for a BMW Z4 will cost about $2,090 per year.

This is more than the national average for luxury convertible models by $303. 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 $7,079 $10,396 $12,161
18 $6,598 $9,688 $11,334
19 $5,831 $8,562 $10,016
20 $5,084 $7,465 $8,733
21 $4,263 $6,260 $7,324
22 $4,152 $6,097 $7,133
23 $3,633 $5,335 $6,241
24 $3,451 $5,068 $5,929
25 $2,979 $4,374 $5,117
30 $2,320 $3,407 $3,986
35 $2,173 $3,191 $3,733
40 $2,090 $3,069 $3,590
45 $2,034 $2,986 $3,494
55 $1,865 $2,739 $3,204
65 $1,946 $2,857 $3,342
75 $2,456 $3,606 $4,218

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 $2,215 $3,216 $4,094
Alaska $1,832 $2,539 $2,468
Arizona $2,071 $2,994 $4,410
Arkansas $2,270 $3,567 $3,928
California $2,528 $4,470 $2,528
Colorado $2,359 $3,301 $4,189
Connecticut $3,014 $4,674 $5,933
Delaware $2,495 $3,325 $4,271
Florida $2,971 $4,110 $5,356
Georgia $2,422 $3,622 $3,652
Hawaii $967 $1,313 $967
Idaho $1,681 $2,228 $2,709
Illinois $1,759 $2,659 $3,032
Indiana $1,807 $2,763 $3,101
Iowa $1,432 $1,963 $2,309
Kansas $1,905 $2,771 $3,241
Kentucky $2,753 $4,042 $4,773
Louisiana $3,535 $5,343 $5,793
Maine $1,337 $1,847 $2,728
Maryland $2,163 $3,148 $3,496
Massachusetts $1,734 $3,026 $1,734
Michigan $4,186 $6,378 $10,061
Minnesota $1,723 $2,297 $3,235
Mississippi $2,080 $2,967 $2,986
Missouri $1,960 $2,802 $3,681
Montana $1,993 $2,780 $3,236
Nebraska $1,684 $2,491 $2,706
Nevada $2,778 $4,121 $4,353
New Hampshire $1,933 $3,056 $3,863
New Jersey $2,129 $3,341 $4,371
New Mexico $2,174 $3,234 $3,357
New York $2,014 $2,536 $4,234
North Carolina $1,249 $2,145 $1,530
North Dakota $1,709 $2,597 $3,071
Ohio $1,523 $2,350 $2,409
Oklahoma $2,433 $3,483 $3,922
Oregon $2,214 $2,970 $3,548
Pennsylvania $1,865 $2,738 $3,203
Rhode Island $3,113 $4,567 $5,142
South Carolina $2,114 $2,930 $4,044
South Dakota $1,897 $2,733 $3,154
Tennessee $2,231 $3,284 $4,373
Texas $2,247 $3,246 $4,037
Utah $1,911 $2,678 $3,685
Vermont $1,471 $2,266 $2,395
Virginia $1,386 $2,128 $2,086
Washington $1,835 $2,490 $2,973
West Virginia $1,846 $2,643 $3,312
Wisconsin $1,840 $2,873 $3,277
Wyoming $1,718 $2,405 $2,561

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: