BMW Z4 Insurance Cost
Auto insurance for a BMW Z4 will cost about $2,613 per year.
This is more than the national average for luxury convertible models by $546. 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.
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. Visit our Competitive Quote Tool to see if you can find lower rates for a Z4.
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These BMW Z4 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.
BMW Z4 Insurance Cost by Age
| Age | Good Driver | Recent Accident | Poor Credit |
|---|---|---|---|
| 17 | $8,850 | $13,182 | $15,583 |
| 18 | $8,248 | $12,285 | $14,522 |
| 19 | $7,289 | $10,857 | $12,834 |
| 20 | $6,356 | $9,466 | $11,190 |
| 21 | $5,330 | $7,939 | $9,384 |
| 22 | $5,191 | $7,732 | $9,139 |
| 23 | $4,542 | $6,765 | $7,997 |
| 24 | $4,315 | $6,427 | $7,597 |
| 25 | $3,724 | $5,546 | $6,556 |
| 30 | $2,901 | $4,320 | $5,107 |
| 35 | $2,717 | $4,047 | $4,783 |
| 40 | $2,613 | $3,892 | $4,600 |
| 45 | $2,543 | $3,787 | $4,477 |
| 55 | $2,332 | $3,473 | $4,106 |
| 65 | $2,432 | $3,623 | $4,283 |
| 75 | $3,070 | $4,573 | $5,405 |
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 | $2,768 | $3,878 | $4,853 |
| Alaska | $2,290 | $3,335 | $3,494 |
| Arizona | $2,589 | $4,016 | $5,726 |
| Arkansas | $2,838 | $4,299 | $4,809 |
| California | $3,160 | $5,527 | $3,160 |
| Colorado | $2,949 | $4,083 | $5,093 |
| Connecticut | $3,768 | $5,825 | $7,461 |
| Delaware | $3,119 | $4,294 | $5,701 |
| Florida | $3,714 | $5,044 | $6,576 |
| Georgia | $3,028 | $4,666 | $4,788 |
| Hawaii | $1,209 | $1,669 | $1,209 |
| Idaho | $2,101 | $2,828 | $3,520 |
| Illinois | $2,199 | $3,251 | $3,770 |
| Indiana | $2,259 | $3,531 | $4,121 |
| Iowa | $1,790 | $2,685 | $3,128 |
| Kansas | $2,381 | $3,506 | $4,152 |
| Kentucky | $3,442 | $5,177 | $6,089 |
| Louisiana | $4,419 | $6,753 | $7,270 |
| Maine | $1,671 | $2,241 | $3,270 |
| Maryland | $2,704 | $3,964 | $4,682 |
| Massachusetts | $2,168 | $3,667 | $2,168 |
| Michigan | $5,232 | $7,867 | $12,095 |
| Minnesota | $2,154 | $2,893 | $4,283 |
| Mississippi | $2,600 | $3,928 | $4,149 |
| Missouri | $2,450 | $3,374 | $4,364 |
| Montana | $2,491 | $3,898 | $4,299 |
| Nebraska | $2,106 | $2,981 | $3,391 |
| Nevada | $3,473 | $5,243 | $5,751 |
| New Hampshire | $2,416 | $3,894 | $4,959 |
| New Jersey | $2,662 | $4,197 | $5,414 |
| New Mexico | $2,718 | $3,912 | $4,393 |
| New York | $2,518 | $3,279 | $5,293 |
| North Carolina | $1,561 | $2,520 | $1,942 |
| North Dakota | $2,136 | $3,288 | $4,174 |
| Ohio | $1,904 | $3,115 | $3,227 |
| Oklahoma | $3,041 | $4,566 | $5,179 |
| Oregon | $2,767 | $4,180 | $4,795 |
| Pennsylvania | $2,331 | $3,525 | $4,046 |
| Rhode Island | $3,892 | $5,972 | $6,830 |
| South Carolina | $2,643 | $3,825 | $5,458 |
| South Dakota | $2,371 | $3,263 | $3,914 |
| Tennessee | $2,789 | $4,172 | $5,263 |
| Texas | $2,809 | $4,134 | $5,189 |
| Utah | $2,389 | $3,455 | $4,765 |
| Vermont | $1,839 | $2,941 | $3,215 |
| Virginia | $1,732 | $2,609 | $2,772 |
| Washington | $2,293 | $3,446 | $4,063 |
| West Virginia | $2,308 | $3,361 | $4,150 |
| Wisconsin | $2,300 | $3,358 | $4,079 |
| Wyoming | $2,148 | $3,156 | $3,528 |
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:
