- About us
- Agent Login
- 855.214.2291
BMW Z4 Car Insurance
How much does car insurance cost for your Bmw Z4? We collected quotes from thousands of drivers to find cheapest rate.
Compare Car Insurance Rates for Your Z4
What is the Average Cost to Insure a Bmw Z4?
Bmw Z4
How much does car insurance cost for Bmw Z4? Your age, location, driving history, education and marital status all play a major factor in the price you pay to insure your vehicle. We analyzed our car insurance rate data and calculated the average rate that you can expect to pay based on your age. We also looked at the average rate that some of the top car insurance companies are charging drivers. Keep in mind, these are just average and your actual price may vary. Check out more information about the Bmw Z4 below.
Bmw Z4 Insurance Model Year by Age Group
The price you pay to insure your Bmw Z4 can vary based on your age group. Here are the average rates you can expect to pay.
| Year | 16-19 yr old | 20-29 yr old | 30-39 yr old | 40-49 yr old | 50-59 yr old | 60+ yr old |
| 2023 | N/A | N/A | $172.52 / mo | N/A | N/A | N/A |
| 2022 | $536.45 / mo | $230.37 / mo | $200.17 / mo | $139.75 / mo | $146.62 / mo | $141.70 / mo |
| 2021 | $511.62 / mo | $292.92 / mo | N/A | $77.91 / mo | N/A | N/A |
| 2020 | N/A | $183.00 / mo | $169.40 / mo | $178.11 / mo | $172.50 / mo | $150.16 / mo |
| 2019 | N/A | N/A | $47.03 / mo | $0.00 / mo | N/A | $94.77 / mo |
| 2016 | $161.07 / mo | $135.08 / mo | N/A | $125.13 / mo | $141.76 / mo | $115.08 / mo |
| 2015 | N/A | $266.92 / mo | $120.67 / mo | $126.13 / mo | $165.05 / mo | $151.40 / mo |
| 2014 | N/A | $103.80 / mo | $105.94 / mo | $152.75 / mo | $108.80 / mo | $106.47 / mo |
| 2013 | N/A | $144.06 / mo | $95.67 / mo | $115.72 / mo | $134.91 / mo | $154.28 / mo |
| 2012 | N/A | $206.08 / mo | $167.92 / mo | $55.30 / mo | $78.22 / mo | $89.19 / mo |
| 2011 | $113.50 / mo | $186.32 / mo | $145.95 / mo | $69.24 / mo | $104.62 / mo | $113.67 / mo |
| 2010 | $200.08 / mo | $129.07 / mo | $123.36 / mo | $166.50 / mo | $62.40 / mo | $108.72 / mo |
2023 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Erie | $1,407.00 / year |
| North Carolina Farm Bureau | $1,616.00 / year |
| State Farm | $1,656.00 / year |
| GMAC Insurance Group | $1,965.00 / year |
| Allied | $2,079.00 / year |
| Penn National | $2,214.00 / year |
| Nationwide | $2,220.00 / year |
| Metropolitan | $2,238.00 / year |
| Allstate | $2,901.00 / year |
2023 Bmw Z4 Insurance
Average Cost to Insure
$2,032.89 / year
Cheapest Rate
$1,407.00 / year Erie
Available Trims
SDRIVE30I 2dr CONVERTIBLE (4cyl)
2022 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Dairyland | $292.00 / year |
| Kemper Auto | $312.00 / year |
| Plymouth Rock | $366.00 / year |
| Victoria | $662.00 / year |
| North Carolina Farm Bureau | $1,412.00 / year |
| Utica National Ins Group | $1,577.00 / year |
| GMAC Insurance Group | $1,629.00 / year |
| Titan | $1,643.00 / year |
| Virginia Farm Bureau | $2,102.00 / year |
| Farm Bureau Mutual (IA Group) | $2,154.00 / year |
2022 Bmw Z4 Insurance
Average Cost to Insure
$1,898.13 / year
Cheapest Rate
$292.00 / year Dairyland
Available Trims
SDRIVE30I 2dr CONVERTIBLE (4cyl)
2021 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P | $632.00 / year |
| Direct Auto | $784.00 / year |
| Southern Farm Bureau | $1,707.00 / year |
| Auto-Owners Insurance Co | $1,743.00 / year |
| Allied | $2,358.00 / year |
| USAA | $2,761.00 / year |
| National Grange Mutual | $2,847.00 / year |
| California Capital | $3,004.00 / year |
| State Auto | $3,222.00 / year |
| Unitrin | $3,774.00 / year |
2021 Bmw Z4 Insurance
Average Cost to Insure
$2,784.00 / year
Cheapest Rate
$632.00 / year American National P
Available Trims
SDRIVE30I 2dr CONVERTIBLE (4cyl)
2020 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| American National P&C | $770.00 / year |
| Texas Farm Bureau Group | $1,134.00 / year |
| Southern Farm Bureau | $1,248.00 / year |
| SAFECO | $1,433.00 / year |
| Hastings Mutual Insurance Co | $1,622.00 / year |
| New Jersey Manufacturers | $1,628.00 / year |
| Oregon Mutual | $1,718.00 / year |
| PEMCO | $1,809.00 / year |
| USAA | $1,907.00 / year |
| Travelers | $2,010.00 / year |
2020 Bmw Z4 Insurance
Average Cost to Insure
$1,833.40 / year
Cheapest Rate
$770.00 / year American National P&C
Available Trims
SDRIVE30I 2dr CONVERTIBLE (4cyl)
2019 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $610.00 / year |
2019 Bmw Z4 Insurance
Average Cost to Insure
$305.00 / year
Cheapest Rate
$610.00 / year Direct Auto
Available Trims
SDRIVE30I 2dr CONVERTIBLE (4cyl)
2016 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New York Central Mutual Fire | $902.00 / year |
| Farm Bureau Mutual (IA Group) | $1,107.00 / year |
| Travelers | $1,230.00 / year |
| Texas Farm Bureau Group | $1,238.00 / year |
| New Jersey Manufacturers | $1,239.00 / year |
| Erie | $1,254.00 / year |
| Georgia Farm Bureau | $1,419.00 / year |
| Auto-Owners Insurance Co | $1,461.00 / year |
| USAA | $1,473.00 / year |
| ACCC Insurance Company | $1,473.00 / year |
2016 Bmw Z4 Insurance
Average Cost to Insure
$1,596.00 / year
Cheapest Rate
$902.00 / year New York Central Mutual Fire
Available Trims
SDRIVE35I 2dr CONVERTIBLE (6cyl)
2015 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Clearcover | $426.00 / year |
| Erie | $821.00 / year |
| Dairyland Auto | $823.00 / year |
| Capital Insurance Group | $1,095.00 / year |
| Penn National | $1,166.00 / year |
| Virginia Farm Bureau | $1,185.00 / year |
| Direct Auto | $1,349.00 / year |
| Utica National Ins Group | $1,490.00 / year |
| Southern Farm Bureau | $1,529.00 / year |
| Shelter | $1,551.00 / year |
2015 Bmw Z4 Insurance
Average Cost to Insure
$1,737.37 / year
Cheapest Rate
$426.00 / year Clearcover
Available Trims
SDRIVE35I 2dr CONVERTIBLE (6cyl)
2014 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| SECURA Insurance | $932.00 / year |
| USAA | $1,036.00 / year |
| National General | $1,067.00 / year |
| Erie | $1,137.00 / year |
| Texas Farm Bureau Group | $1,180.00 / year |
| 21st Century | $1,184.00 / year |
| Nationwide | $1,242.00 / year |
| Travelers | $1,412.00 / year |
| Wolverine Mutual | $1,422.00 / year |
| Hartford | $1,467.00 / year |
2014 Bmw Z4 Insurance
Average Cost to Insure
$1,298.33 / year
Cheapest Rate
$932.00 / year SECURA Insurance
Available Trims
SDRIVE35I 2dr CONVERTIBLE (6cyl)
2013 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Buckeye Insurance Group | $443.00 / year |
| Erie | $608.00 / year |
| Grange Mutual | $747.00 / year |
| USAA | $818.00 / year |
| Central Mutual Insurance Co | $840.00 / year |
| Western Reserve | $848.00 / year |
| Hastings Mutual Insurance Co | $927.00 / year |
| Atlantic States Insurance | $944.00 / year |
| Ohio Mutual Ins Group | $960.00 / year |
| Westfield | $1,008.00 / year |
2013 Bmw Z4 Insurance
Average Cost to Insure
$1,195.07 / year
Cheapest Rate
$443.00 / year Buckeye Insurance Group
Available Trims
SDRIVE35I 2dr CONVERTIBLE (6cyl)
2012 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| New York Central Mutual Fire | $408.00 / year |
| Erie | $662.00 / year |
| Preferred Mutual | $1,084.00 / year |
| USAA | $1,228.00 / year |
| Auto-Owners Insurance Co | $1,389.00 / year |
| Georgia Farm Bureau | $1,430.00 / year |
| Travelers | $1,495.00 / year |
| Direct Auto | $1,608.00 / year |
| Country | $1,620.00 / year |
| Chubb | $1,659.00 / year |
2012 Bmw Z4 Insurance
Average Cost to Insure
$1,416.00 / year
Cheapest Rate
$408.00 / year New York Central Mutual Fire
Available Trims
SDRIVE35I 2dr CONVERTIBLE (6cyl)
2011 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Direct Auto | $441.00 / year |
| SAFECO | $591.00 / year |
| Georgia Farm Bureau | $1,110.00 / year |
| Country | $1,143.00 / year |
| Liberty Mutual | $1,324.00 / year |
| Capital Insurance Group | $1,374.00 / year |
| ACCC Insurance Company | $1,524.00 / year |
| Erie | $1,627.00 / year |
| USAA | $1,634.00 / year |
| Farm Bureau Mutual (IA Group) | $1,707.00 / year |
2011 Bmw Z4 Insurance
Average Cost to Insure
$1,488.00 / year
Cheapest Rate
$441.00 / year Direct Auto
Available Trims
SDRIVE30I 2dr CONVERTIBLE (6cyl)
2010 Bmw Z4 Insurance Rates by Companies
| Insurance Company | 12 month Premium |
| Grange | $1,413.00 / year |
| USAA | $1,419.00 / year |
| Allied | $1,430.00 / year |
| 21st Century | $1,538.00 / year |
| Auto Club | $1,587.00 / year |
| California Capital | $1,610.00 / year |
| Farmers | $1,623.00 / year |
| State Farm | $1,671.00 / year |
| Texas Farm Bureau Group | $1,674.00 / year |
| Hartford | $1,734.00 / year |
2010 Bmw Z4 Insurance
Average Cost to Insure
$1,452.00 / year
Cheapest Rate
$1,413.00 / year Grange
Available Trims
SDRIVE30I 2dr CONVERTIBLE (6cyl)
Compare Z4 to other Bmw Models
Wondering how the Z4 compares to other Bmw Models? Check out the average rates for each vehicle below.
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
