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.

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

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: