BMW Z4 Insurance Cost

Auto insurance for a BMW Z4 will cost about $2,977 per year.

This is more than the national average for luxury convertible models by $752. 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 $10,085 $14,808 $17,324
18 $9,398 $13,800 $16,144
19 $8,306 $12,196 $14,268
20 $7,242 $10,634 $12,441
21 $6,073 $8,918 $10,433
22 $5,915 $8,685 $10,160
23 $5,175 $7,599 $8,890
24 $4,917 $7,219 $8,446
25 $4,243 $6,230 $7,289
30 $3,305 $4,853 $5,678
35 $3,096 $4,546 $5,318
40 $2,977 $4,372 $5,114
45 $2,897 $4,254 $4,977
55 $2,657 $3,902 $4,564
65 $2,772 $4,070 $4,761
75 $3,498 $5,137 $6,009

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 $3,155 $4,582 $5,832
Alaska $2,609 $3,617 $3,516
Arizona $2,950 $4,264 $6,282
Arkansas $3,234 $5,081 $5,595
California $3,601 $6,368 $3,601
Colorado $3,360 $4,703 $5,967
Connecticut $4,293 $6,658 $8,452
Delaware $3,554 $4,737 $6,084
Florida $4,232 $5,854 $7,629
Hawaii $1,378 $1,871 $1,378
Idaho $2,394 $3,174 $3,859
Illinois $2,506 $3,788 $4,319
Indiana $2,575 $3,936 $4,417
Iowa $2,039 $2,797 $3,289
Kansas $2,713 $3,947 $4,617
Kentucky $3,922 $5,757 $6,799
Louisiana $5,035 $7,611 $8,252
Maine $1,904 $2,632 $3,885
Maryland $3,081 $4,484 $4,981
Massachusetts $2,471 $4,310 $2,471
Michigan $5,962 $9,086 $14,331
Minnesota $2,454 $3,272 $4,608
Mississippi $2,963 $4,226 $4,254
Missouri $2,792 $3,991 $5,243
Montana $2,838 $3,960 $4,610
Nebraska $2,399 $3,548 $3,855
Nevada $3,958 $5,870 $6,201
New Hampshire $2,753 $4,353 $5,503
New Jersey $3,033 $4,759 $6,227
New Mexico $3,097 $4,607 $4,783
New York $2,869 $3,613 $6,031
North Carolina $1,779 $3,056 $2,179
North Dakota $2,434 $3,699 $4,375
Ohio $2,170 $3,347 $3,432
Oklahoma $3,465 $4,962 $5,587
Oregon $3,153 $4,231 $5,054
Pennsylvania $2,656 $3,900 $4,563
Rhode Island $4,435 $6,505 $7,325
South Carolina $3,012 $4,174 $5,761
South Dakota $2,702 $3,894 $4,493
Tennessee $3,178 $4,678 $6,230
Texas $3,200 $4,623 $5,751
Utah $2,722 $3,815 $5,249
Vermont $2,096 $3,227 $3,411
Virginia $1,974 $3,031 $2,971
Washington $2,613 $3,547 $4,235
West Virginia $2,630 $3,765 $4,718
Wisconsin $2,621 $4,092 $4,667
Wyoming $2,447 $3,426 $3,648
Georgia $3,450 $5,159 $5,202

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: