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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW Z4 is $215.72 — or, $2,588.64. However, some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose. And your actual costs will depend on your driving history, age, ZIP and other specific factors.
Model Year | Progressive | Geico | State Farm | Farmers | Average |
---|---|---|---|---|---|
2011 BMW Z4 | $134.08 | $118.01 | $154.79 | $184.47 | $147.84 |
2016 BMW Z4 | $178.92 | $143.49 | $202.45 | $189.33 | $178.55 |
2021 BMW Z4 | $214.93 | $169.13 | $240.19 | $238.63 | $215.72 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
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When you’re comparing insurance for the BMW Z4, take these factors into account:
Your premium is a product of your provider, driving history, where you live and the car you drive. Carriers put their own emphasis on elements like mileage, body styling and the car’s engine. For a BMW Z4, the insurance rate is affected by the following factors:
The BMW Z4 proves that insurance isn’t always sky-high on a luxury convertible. You get the pleasure of top-down driving and zippy engine power at a lower ownership cost than competitors’ high-performance coupes and convertibles.
Models similar to BMW z4 | Monthly insurance cost | Car value | Theft rate |
---|---|---|---|
BMW Z4 | $215.72 | $50,695 | 0.43 |
BMW 8-series | $270.47 | $88,995 | Not available |
Chevrolet Corvette | $262.78 | $60,995 | 0.72 |
Jaguar F-Type | – | $62,750 | Not available |
Lexus LC | – | $94,075 | Not available |
When calculating your premium, your provider looks at your driving history and any violations, accidents and claims. If your driving record is free from major violations in the past three to five years, you’ll most likely be rewarded with a better rate.
The carrier will also assess your nominated drivers. If your teen or someone with a few blips on their record will be driving your car, that may impact your rate.
Other factors that affect your rate include:
Depending on your provider, this model might be eligible for auto insurance discounts. Typically, these kinds of discounts can slash the cost of your insurance by 5% to 30%.
These are some discounts that may apply to the Z4:
BMW is generous with its maintenance and warranty plans. With the Z4, the manufacturer goes above the industry standard, offering the following:
BMW won’t pay for repairing tires, damage caused by windshield washer additives, and wear and tear that results from things like:
Like most luxury sports cars, the 2016 Z4 didn’t undergo crash testing by the National Highway Traffic Safety Administration or the Institute for Highway Safety. However, US News awarded the Z4 a score of 7.8 out of 10 in its 2016 Luxury Sports Cars category. This score reflects reliability data and a range of features, including safety.
The Z4 is equipped with standard safety features, including:
If you want to invest in extra safety features, you can. Since these reduce the chance of injury or damage in case of an accident, they may lower your premium. To explore this option, ask your insurer about the safety and security features you can add in return for a discount.
The BMW Z4 has been around since 2002, and two generations of the model have hit the market in that time. The brand worked through issues with the vehicle as they arose, such as steering, fuel and cooling system problems. The most recent recall was in 2014, when 8,988 vehicles were affected by a failure of the brake vacuum pump. The 2016 BMW Z4 has had no recalls.
The BMW Z4 is a luxury sports car, and those two descriptors don’t make it the most wallet-friendly car on the market. It tends to be on the pricier side to insure, but you may be able to cut down costs with discounts for safety features and defensive driving. Plus, as a bonus, BMW’s warranty and maintenance program is better than the industry standard.
To get the most bang for your buck, you can find the best rate by comparing providers.
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