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.
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 |
Compare BMW Z4 To Other BMW Models
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
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.
