BMW Z4 insurance costs average $98 monthly for minimum coverage and $190 per month for full coverage. Depending on your particular trim and model year, costs can range from $66 to $285 monthly for BMW Z4 insurance.
BMW Z4 Insurance Cost
Updated: October 2, 2025
Key Takeaways
BMW Z4 insurance costs range from $66 to $285 monthly depending on your specific model year and trim level.
The BMW Z4 ranks 472nd out of 827 vehicles for insurance affordability in the current vehicle market nationwide.
Travelers offers the most affordable BMW Z4 coverage at $140 monthly for full coverage and $72 for minimum coverage.
How Much Is BMW Z4 Insurance?
| BMW Z4 | $98 | $190 |
BMW Z4 Insurance Cost by Model Year
Your BMW Z4's model year and available trims affect your insurance rates, with newer models costing more because of their higher fair value. Monthly premiums for BMW Z4s span from $71 to $237, depending on your vehicle's year and the coverage you choose.
| 2026 | $121 | $237 |
| 2025 | $118 | $229 |
| 2024 | $113 | $221 |
| 2023 | $96 | $187 |
| 2022 | $85 | $165 |
| 2021 | $76 | $147 |
| 2020 | $120 | $235 |
| 2019 | $108 | $211 |
| 2016 | $114 | $224 |
| 2015 | $109 | $213 |
| 2014 | $112 | $218 |
| 2013 | $103 | $201 |
| 2012 | $95 | $184 |
| 2011 | $102 | $199 |
| 2010 | $94 | $182 |
| 2009 | $97 | $189 |
| 2008 | $89 | $173 |
| 2007 | $95 | $183 |
| 2006 | $77 | $148 |
| 2005 | $75 | $145 |
| 2004 | $74 | $142 |
| 2003 | $71 | $136 |
BMW Z4 Insurance Cost by Trim
Your BMW Z4's trim impacts insurance costs. Features, performance capabilities and market value create wide rate differences across model variants. Monthly premiums span from $70 for basic trims to $252 for high-performance versions like the M40i, based on our analysis.
| 2.5i Roadster 2d | $70 | $134 |
| 3.0i Roadster 2d | $77 | $148 |
| 3.0si Roadster 2d | $83 | $160 |
| Sdrive 30i Roadster 2d | $87 | $170 |
| 30i Roadster 2d | $95 | $183 |
| Sdrive28i Roadster 2d | $95 | $185 |
| Sdrive30i Roadster 2d | $98 | $190 |
| 35i Roadster 2d | $100 | $194 |
| Sdrive M40i Roadster 2d | $101 | $197 |
| 3.0si Coupe 2d | $101 | $195 |
| Sdrive 30i | $102 | $198 |
| Sdrive35i Roadster 2d | $103 | $201 |
| Sdrive30i | $108 | $210 |
| Sdrive35is Roadster 2d | $118 | $231 |
| M40i | $129 | $252 |
Compare Personalized BMW Z4 Insurance Costs
We've broken down BMW Z4 insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
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Model Year:2003
Select
Trim:2.5i Roadster 2d
| 2.5i Roadster 2d | $66 | $127 |
BMW Z4 Insurance Cost by Company
BMW Z4 insurance costs vary by provider from $115 to $225 monthly. Minimum coverage ranges from $72 to $147, while full coverage costs $140 to $320. Rates vary due to different risk assessment models.
| AAA | $112 | $234 |
| AIG | $131 | $320 |
| Allstate | $131 | $254 |
| Amica | $123 | $253 |
| Chubb | $116 | $231 |
| Farmers | $147 | $256 |
| GEICO | $72 | $158 |
| Kemper | $91 | $188 |
| Nationwide | $101 | $176 |
| Progressive | $94 | $175 |
| State Farm | $91 | $190 |
| The Hartford | $103 | $176 |
| Travelers | $76 | $140 |
| UAIC | $137 | $169 |
BMW Z4 Insurance Cost by State
BMW Z4 car insurance costs vary dramatically by state, ranging from $41 monthly in Wyoming to $416 monthly in Louisiana.
| Alabama | $82 | $156 |
| Alaska | $72 | $152 |
| Arizona | $113 | $212 |
| Arkansas | $78 | $173 |
| California | $93 | $187 |
| Colorado | $95 | $227 |
| Connecticut | $130 | $224 |
| Delaware | $127 | $214 |
| Florida | $113 | $261 |
| Georgia | $132 | $220 |
| Hawaii | $52 | $118 |
| Idaho | $52 | $107 |
| Illinois | $89 | $168 |
| Indiana | $60 | $119 |
| Iowa | $56 | $137 |
| Kansas | $71 | $166 |
| Kentucky | $118 | $201 |
| Louisiana | $197 | $416 |
| Maine | $52 | $109 |
| Maryland | $140 | $236 |
| Massachusetts | $98 | $208 |
| Michigan | $155 | $301 |
| Minnesota | $83 | $174 |
| Mississippi | $87 | $172 |
| Missouri | $121 | $240 |
| Montana | $76 | $181 |
| Nebraska | $70 | $161 |
| Nevada | $153 | $278 |
| New Hampshire | $70 | $125 |
| New Jersey | $152 | $252 |
| New Mexico | $77 | $172 |
| New York | $108 | $194 |
| North Carolina | $76 | $150 |
| North Dakota | $65 | $141 |
| Ohio | $69 | $134 |
| Oklahoma | $88 | $197 |
| Oregon | $108 | $189 |
| Pennsylvania | $88 | $204 |
| Rhode Island | $119 | $213 |
| South Carolina | $96 | $180 |
| South Dakota | $56 | $175 |
| Tennessee | $75 | $152 |
| Texas | $121 | $248 |
| Utah | $96 | $164 |
| Vermont | $48 | $114 |
| Virginia | $91 | $147 |
| Washington | $83 | $155 |
| West Virginia | $89 | $180 |
| Wisconsin | $63 | $139 |
| Wyoming | $41 | $128 |
BMW Z4 Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, affects BMW Z4 insurance pricing extensively. Monthly costs can reach $363 for young drivers under 25 and drop to just $144 for adult drivers between 26-64 with clean records.
| Adult Drivers | $98 | $190 |
| Young Drivers | $248 | $478 |
| Senior Drivers | $130 | $239 |
| Drivers With a Speeding Ticket | $122 | $238 |
| Drivers With an Accident | $144 | $278 |
| Drivers With a DUI | $182 | $349 |
| Drivers With Bad Credit | $235 | $474 |
Is a BMW Z4 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW Z4 ranks 472nd out of 827, making it one of the more expensive cars to insure. Among sports cars, the model ranks 20th out of 59.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect BMW Car Insurance Costs
Several factors affect what you'll pay for BMW Z4 insurance coverage:
- Age (47 to 52 median): Middle-aged drivers typically receive favorable insurance rates due to established driving records and reduced risk-taking behaviors compared to younger sports car buyers.
- Gender (64% male): Male ownership predominance in luxury sports cars often correlates with higher insurance rates due to statistical risk patterns, though individual driving records matter more.
- Income ($124,000 to $175,000): High household incomes enable comprehensive coverage selection and often correlate with better credit scores, which can reduce premium costs in states where credit scoring is permitted.
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW Z4 repair costs average $1,037 annually, making it BMW's third-most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The BMW Z4 offers two performance tiers with different insurance implications. The base sDrive30i delivers 255 horsepower from a 2.0-liter turbocharged four-cylinder and accelerates 0 to 60 mph in 5.2 seconds.
The M40i gains 382 horsepower from a 3.0-liter turbocharged inline-six, reducing acceleration to 3.9 seconds. Higher-performance trims command higher premiums due to increased theft risk, accident severity potential, and specialized repair requirements.
Fuel Type
The BMW Z4 uses premium gasoline across all trim levels, with both the turbocharged four-cylinder and six-cylinder engines requiring 91+ octane fuel. This premium fuel requirement doesn't directly impact insurance rates but reflects the vehicle's luxury positioning.
The Z4's fuel efficiency ranges from 25/33 mpg (city/highway) for the sDrive30i to 23/29 mpg for the M40i. Unlike some luxury competitors moving toward hybrid powertrains, BMW maintains traditional combustion engines in the Z4, which keeps parts costs predictable but doesn't provide the insurance discounts sometimes available for hybrid or electric vehicles.
Location
BMW Z4 ownership concentrates heavily in affluent metropolitan areas and coastal regions, where luxury vehicle ownership rates are highest. California leads Z4 registration, with concentrations in Los Angeles, San Francisco and Orange County.
The vehicle's convertible nature makes it particularly popular in favorable climate regions. Urban concentrations mean higher comprehensive coverage costs due to theft and vandalism risks. At the same time, the specialized nature of the Z4 limits authorized repair facilities, potentially increasing claim costs in rural areas where BMW service centers are scarce.
Driver Profile
BMW Z4 owners represent an affluent demographic with distinct insurance rate implications. The typical Z4 buyer has a median age of 47 to 52 years, older than general sports car buyers, which generally correlates with lower accident rates and insurance premiums.
Cheapest BMW Z4 Insurance Companies
When shopping for Z4 car insurance, Travelers offers the most affordable full coverage with monthly premiums averaging $140. For drivers who only need minimum coverage, GEICO provides the cheapest option at $72 per month.
| Travelers | $76 | $140 |
| GEICO | $72 | $158 |
| Progressive | $94 | $175 |
| Nationwide | $101 | $176 |
| Kemper | $91 | $188 |
Cheapest BMW Z4 Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers for a BMW Z4:
- Travelers: Wins for affordability in 14 states
- GEICO: Wins for affordability in five states
- Progressive: Wins for affordability in five states
You can filter below to see who offers the most affordable auto insurance rates for your BMW Z4.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Travelers | $64 |
How to Get the Best Cheap BMW Z4 Insurance
Below we explore the top BMW Z4 car insurance discounts available:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your BMW will help you understand how much you're saving currently and with another provider. You can then search for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW Z4, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW Z4 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Z4 owners' high median household income of $124,000 often means multiple vehicles in the garage, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 80% homeownership rates among BMW buyers, Z4 owners can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Z4 owners' mature age profile (median 56 years) results in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Z4's standard forward collision warning with pedestrian detection and lane-departure warning help you avoid crashes. Lots of insurance companies will knock money off your bill for this.
- Professional/Occupation Discount (5% to 15% savings): With 80% of BMW buyers holding bachelor's degrees or higher and working in professional roles, Z4 owners often qualify for occupation-based discounts from insurers like GEICO, State Farm, and Farmers.
- 5
Consider alternative car insurance types
BMW Z4 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW Z4 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW Z4 Insurance Cost: Bottom Line
Insuring a BMW Z4 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW Z4 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW Z4.
What is the average cost of car insurance for a BMW Z4?
The BMW Z4's average annual insurance cost is $1,171 for state minimum and $2,278 for full coverage.
What company has the cheapest car insurance for a BMW Z4?
When shopping for Z4 car insurance, Travelers offers the most affordable full coverage with monthly premiums averaging $140. For drivers who only need minimum coverage, GEICO provides the cheapest option at $72 per month.
Are BMW Z4s expensive to insure?
Yes, BMW Z4 insurance costs more than most cars. Out of 827 vehicles we track, the Z4 ranks 472nd for affordability. Among similar sports cars, it ranks 20th out of 59 models.
What factors affect insurance costs for BMW Z4s?
Several things drive up your BMW Z4 rates. Repairs cost more because of specialized parts and premium materials. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer BMW-certified repair shops cost more.
How can I lower BMW Z4 insurance costs?
Shop around with multiple insurers as rates vary for BMWs, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW Z4 Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW Z4 insurance costs.
Who We Based These Rates On
These BMW Z4 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.