BMW Z4 Insurance Rates
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Is insurance high on a BMW?
In general, yes. As with any luxury vehicle, whether it's a Ferrari or Porsche, many factors can affect the cost of insurance. In this case, that includes the high turnover rate of luxury vehicles and typical repairs for your typical BMW that might be more expensive due to higher-quality parts used in the manufacturing process. These days, there are also higher repair costs associated with newer cars due to advanced computer systems and technology. This means the car will require a specialist who is very familiar with these types of cars in order to fix them properly and not void an already existing warranty.
How much is insurance on a 2003 BMW Z4?
The average premium for auto insurance in the US is $698.99
Is BMW Z4 worth it?
The BMW Z4 is a car that many can not understand. It's simply an overpriced Japanese roadster with Bavarian badges, they say. Well, this is partially true - in fact, you can find several examples of cars that are ''overpriced Japanese roadsters''. But the truth is not so simple...
BMW Z4 Trims Available
| BMW Z4 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| sDrive 30i Convertible | $1604 | $804 | $134 |
| sDrive 30i Premium Convertible | $1670 | $834 | $137 |
| sDrive 30i Sport Convertible | $1640 | $833 | $137 |
| sDrive 30i Track Handling Convertible | $1649 | $828 | $137 |
| sDrive 30i Executive Convertible | $1698 | $850 | $141 |
| sDrive 40i Convertible | $1752 | $871 | $144 |
| sDrive 40i Executive Convertible | $1796 | $901 | $149 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 BMW Z4 | $371 | $664 | $334 | $1509 |
| 2019 BMW Z4 | $355 | $661 | $337 | $1505 |
| 2018 BMW Z4 | $346 | $648 | $355 | $1493 |
| 2016 BMW Z4 | $316 | $594 | $374 | $1418 |
| 2015 BMW Z4 | $305 | $549 | $387 | $1377 |
| 2014 BMW Z4 | $290 | $516 | $392 | $1343 |
| 2013 BMW Z4 | $277 | $463 | $390 | $1281 |
| 2012 BMW Z4 | $259 | $427 | $392 | $1221 |
| 2011 BMW Z4 | $250 | $399 | $395 | $1177 |
| 2010 BMW Z4 | $246 | $373 | $403 | $1169 |
| 2009 BMW Z4 | $226 | $348 | $406 | $1112 |
| 2008 BMW Z4 | $219 | $313 | $407 | $1078 |
| 2007 BMW Z4 | $208 | $289 | $401 | $1030 |
| 2006 BMW Z4 | $194 | $265 | $401 | $991 |
| 2005 BMW Z4 | $187 | $234 | $400 | $967 |
| 2004 BMW Z4 | $184 | $231 | $389 | $950 |
| 2003 BMW Z4 | $182 | $217 | $385 | $915 |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $996 | $2790 | $234 |
| $504 | $3350 | $282 | |
| $250 | $3944 | $328 | |
| 30 | $1007 | $1488 | $123 |
| $499 | $1803 | $150 | |
| $250 | $2126 | $175 | |
| 40 | $996 | $1393 | $118 |
| $498 | $1676 | $140 | |
| $253 | $1986 | $166 | |
| 50 | $995 | $1285 | $107 |
| $503 | $1539 | $128 | |
| $250 | $1790 | $149 | |
| 60 | $995 | $1247 | $104 |
| $503 | $1518 | $126 | |
| $252 | $1782 | $149 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1369 | $145 | -9.7% |
| Alaska | $1161 | $353 | -23.5% |
| Arizona | $1254 | $260 | -17.4% |
| Arkansas | $1514 | -$0 | 0.0% |
| California | $1726 | $212 | 14.1% |
| Colorado | $1446 | $69 | -4.5% |
| Connecticut | $1553 | $38 | 2.5% |
| Delaware | $1710 | $196 | 13.0% |
| Florida | $1890 | $376 | 25.0% |
| Georgia | $1399 | $115 | -7.7% |
| Hawaii | $1088 | $426 | -28.4% |
| Idaho | $1026 | $489 | -32.6% |
| Illinois | $1127 | $388 | -25.8% |
| Indiana | $1141 | $374 | -24.9% |
| Iowa | $1022 | $493 | -32.8% |
| Kansas | $1438 | $77 | -5.1% |
| Kentucky | $2066 | $551 | 36.7% |
| Louisiana | $2239 | $725 | 48.4% |
| Maine | $935 | $579 | -38.7% |
| Maryland | $1250 | $265 | -17.7% |
| Massachusetts | $1207 | $307 | -20.5% |
| Michigan | $2629 | $1115 | 74.3% |
| Minnesota | $1270 | $244 | -16.3% |
| Mississippi | $1813 | $299 | 19.9% |
| Missouri | $1343 | $172 | -11.4% |
| Montana | $1625 | $111 | 7.4% |
| Nebraska | $1193 | $321 | -21.4% |
| Nevada | $1815 | $301 | 20.1% |
| New Hampshire | $1090 | $424 | -28.3% |
| New Jersey | $1692 | $178 | 11.8% |
| New Mexico | $1341 | $174 | -11.6% |
| New York | $1593 | $79 | 5.2% |
| North Carolina | $870 | $644 | -42.9% |
| North Dakota | $1240 | $275 | -18.3% |
| Ohio | $1042 | $472 | -31.5% |
| Oklahoma | $1553 | $38 | 2.5% |
| Oregon | $1387 | $127 | -8.5% |
| Pennsylvania | $1442 | $73 | -4.8% |
| Rhode Island | $2019 | $505 | 33.6% |
| South Carolina | $1371 | $143 | -9.6% |
| South Dakota | $1278 | $236 | -15.7% |
| Tennessee | $1325 | $190 | -12.6% |
| Texas | $1825 | $311 | 20.7% |
| Utah | $1121 | $394 | -26.2% |
| Vermont | $1034 | $481 | -32.0% |
| Virginia | $905 | $610 | -40.7% |
| Washington | $1169 | $345 | -23.0% |
| West Virginia | $1389 | $125 | -8.4% |
| Wisconsin | $1048 | $466 | -31.1% |
| Wyoming | $1349 | $166 | -11.0% |
Other BMW models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
