BMW Z4 Car Insurance Cost

To insure a BMW Z4, it typically costs about $1,406 annually through Erie. However, the actual expenses can vary based on factors such as age, the model year of the car, and other considerations. You can utilize our quote tables below to determine the potential cost for your specific situation.

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Updated: 02 April 2024
Written by
Bob Phillips
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If you’re thinking about buying a BMW Z4, one important consideration is the insurance cost. Insurance plays a vital role in car ownership, and it’s essential to understand the implications before making a purchase.

Choosing the right insurance policy is crucial to avoid unexpected and potentially high expenses in the future. Inadequate coverage in the event of an accident can leave you facing significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed at fault.

Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as age, driving history, and location can all have a significant impact on insurance premiums.

How Much Does BMW Z4 Car Insurance Cost?

Typically, Erie provides the most competitive price, averaging $1,406 annually, for full coverage insurance on a 2023 BMW Z4.

While Erie’s pricing serves as a good reference point, it’s essential to recognize that the expense of car insurance can vary significantly based on several factors. These factors encompass your geographical location, driving record, the age of your car, and the specific coverage options you select. Maintaining a clean driving history may result in lower premiums, whereas a record of accidents or traffic violations can lead to higher costs.

Moreover, residing in urban areas with heavy traffic might incur higher insurance rates compared to rural regions with less traffic congestion. The type of coverage you opt for will also influence your premium amount. Comprehensive coverage, which includes protection against various incidents and collisions, generally comes at a higher cost than basic liability coverage.

Insuranceopedia exists to aid you in exploring different insurance providers and comparing quotes, ensuring you secure the most advantageous deal available.

2023 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Erie $1,406
North Carolina Farm Bureau $1,597
State Farm $1,667
GMAC Insurance Group $1,973
Allied $2,074
Penn National $2,228
Nationwide $2,201
Metropolitan $2,231
Allstate $2,893

2022 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Dairyland $288
Kemper Auto $315
Plymouth Rock $369
Victoria $646
North Carolina Farm Bureau $1,424
Utica National Ins Group $1,576
GMAC Insurance Group $1,647
Titan $1,648
Virginia Farm Bureau $2,099
Farm Bureau Mutual (IA Group) $2,142

2021 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
American National P $635
Direct Auto $781
Southern Farm Bureau $1,699
Auto-Owners Insurance Co $1,728
Allied $2,363
USAA $2,634
National Grange Mutual $2,868
California Capital $3,001
State Auto $3,221
Unitrin $3,774

2020 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
American National P&C $752
Texas Farm Bureau Group $1,127
Southern Farm Bureau $1,269
SAFECO $1,453
Hastings Mutual Insurance Co $1,616
New Jersey Manufacturers $1,624
Oregon Mutual $1,727
PEMCO $1,826
USAA $1,919
Travelers $2,031

2019 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Direct Auto $606

2016 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $891
Farm Bureau Mutual (IA Group) $1,097
Travelers $1,213
Texas Farm Bureau Group $1,253
New Jersey Manufacturers $1,221
Erie $1,250
Georgia Farm Bureau $1,432
Auto-Owners Insurance Co $1,451
USAA $1,462
ACCC Insurance Company $1,463

2015 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Clearcover $407
Erie $808
Capital Insurance Group $1,077
Penn National $1,156
Virginia Farm Bureau $1,186
Direct Auto $1,352
Utica National Ins Group $1,477
Southern Farm Bureau $1,540
Shelter $1,541
Chubb $1,546

2014 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
SECURA Insurance $935
National General $1,049
USAA $1,068
Erie $1,141
Texas Farm Bureau Group $1,185
21st Century $1,181
Nationwide $1,279
Travelers $1,412
Wolverine Mutual $1,427
Hartford $1,474

2013 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Buckeye Insurance Group $438
Erie $590
Grange Mutual $741
USAA $810
Central Mutual Insurance Co $833
Western Reserve $869
Hastings Mutual Insurance Co $935
Atlantic States Insurance $942
Ohio Mutual Ins Group $955
Westfield $1,016

2012 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $395
Erie $664
Preferred Mutual $1,074
USAA $1,239
Auto-Owners Insurance Co $1,399
Georgia Farm Bureau $1,444
Travelers $1,478
Direct Auto $1,592
Country $1,636
Chubb $1,665

2011 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Direct Auto $437
SAFECO $590
Georgia Farm Bureau $1,129
Country $1,149
Liberty Mutual $1,335
Capital Insurance Group $1,355
ACCC Insurance Company $1,513
Farm Bureau Mutual (IA Group) $1,695
Allied $1,732
USAA $1,741

2010 BMW Z4 Insurance Rates

Insurance Provider Average Annual Cost
Grange $1,402
USAA $1,400
Allied $1,451
21st Century $1,547
Auto Club $1,568
California Capital $1,630
Farmers $1,635
State Farm $1,665
Texas Farm Bureau Group $1,665
Hartford $1,748

Cost of BMW Z4 Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $10,072 $14,815 $17,309
18 $9,387 $13,815 $16,139
19 $8,321 $12,190 $14,266
20 $7,229 $10,651 $12,423
21 $6,085 $8,899 $10,417
22 $5,922 $8,690 $10,167
23 $5,157 $7,599 $8,900
24 $4,912 $7,211 $8,459
25 $4,242 $6,231 $7,292
30 $3,312 $4,866 $5,660
35 $3,094 $4,539 $5,329
40 $2,958 $4,386 $5,131
45 $2,899 $4,252 $4,984
55 $2,675 $3,882 $4,556
65 $2,766 $4,069 $4,756
75 $3,506 $5,152 $6,005

BMW Z4 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $3,144 $4,568 $5,812
Alaska $2,629 $3,628 $3,497
Arizona $2,953 $4,278 $6,274
Arkansas $3,235 $5,090 $5,614
California $3,600 $6,387 $3,598
Colorado $3,359 $4,698 $5,974
Connecticut $4,300 $6,674 $8,460
Delaware $3,556 $4,724 $6,100
Florida $4,232 $5,868 $7,627
Hawaii $1,384 $1,875 $1,378
Idaho $2,379 $3,163 $3,856
Illinois $2,510 $3,776 $4,309
Indiana $2,589 $3,953 $4,426
Iowa $2,044 $2,803 $3,279
Kansas $2,697 $3,947 $4,612
Kentucky $3,907 $5,739 $6,804
Louisiana $5,021 $7,605 $8,242
Maine $1,915 $2,649 $3,898
Maryland $3,076 $4,479 $4,975
Massachusetts $2,459 $4,299 $2,482
Michigan $5,947 $9,106 $14,328
Minnesota $2,445 $3,284 $4,607
Mississippi $2,944 $4,241 $4,245
Missouri $2,810 $4,012 $5,229
Montana $2,848 $3,967 $4,616
Nebraska $2,390 $3,542 $3,835
Nevada $3,953 $5,888 $6,194
New Hampshire $2,737 $4,372 $5,485
New Jersey $3,048 $4,759 $6,207
New Mexico $3,099 $4,597 $4,794
New York $2,869 $3,604 $6,014
North Carolina $1,763 $3,037 $2,163
North Dakota $2,427 $3,681 $4,390
Ohio $2,176 $3,328 $3,427
Oklahoma $3,484 $4,977 $5,574
Oregon $3,170 $4,216 $5,064
Pennsylvania $2,662 $3,904 $4,564
Rhode Island $4,420 $6,486 $7,324
South Carolina $3,020 $4,177 $5,767
South Dakota $2,702 $3,889 $4,476
Tennessee $3,176 $4,689 $6,237
Texas $3,181 $4,623 $5,755
Utah $2,714 $3,795 $5,245
Vermont $2,085 $3,243 $3,428
Virginia $1,990 $3,026 $2,987
Washington $2,629 $3,562 $4,217
West Virginia $2,614 $3,748 $4,702
Wisconsin $2,636 $4,088 $4,672
Wyoming $2,466 $3,447 $3,658
Georgia $3,448 $5,166 $5,213

FAQs

Who has the cheapest car insurance for a BMW Z4?

Erie offers the most affordable car insurance option for the 2023 BMW Z4.

Which company offers the best car insurance for a BMW Z4?

Considering its low rates, extensive coverage, and excellent customer service, we recommend Erie as the top choice for BMW Z4 car insurance.

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