Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used BMW Z4? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW Z4 insurance facts

  • Average full coverage auto insurance premium: $212/month

  • Most affordable companies: GEICO ($144/month) & Progressive ($156/month)

  • Z4 car insurance cost vs. average rate: $23 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW Z4 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW 3 Series insurer costs by state:

Risk factors affecting BMW Z4 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW Z4 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average Z4 repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW Z4 affecting auto policies

Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2722
Allied$2964
Allstate$2427
American Family$2319
Amica$3027
Country Financial$2543
Erie$1979
GEICO$1729
Kentucky Farm Bureau$2576
Liberty Mutual$2126
Mercury$2411
Nationwide$2194
Progressive$1834
State Farm$1864
Tennessee Farmers$2334
Texas Farm Bureau$2315
The Hanover$2615
Travelers$2516

Compare all 2021 BMW Z4 rates

Average Cost to Insure Per Year

$2550

List Price

$49700

Trims Available

sDrive28i - sDrive35i - sDrive35is - Base Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2020 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2701
Allstate$2287
American Family$2099
Country Financial$2350
Erie$1834
GEICO$1580
Kentucky Farm Bureau$2506
Liberty Mutual$1964
Mercury$2240
Nationwide$2057
Progressive$1630
State Farm$1728
Tennessee Farmers$2138
Texas Farm Bureau$2069
The Hanover$2516
Travelers$2349

Compare all 2020 BMW Z4 rates

Average Cost to Insure Per Year

$2435

List Price

$49700

Trims Available

sDrive28i - sDrive35i - sDrive35is - Base Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2019 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2634
Allstate$2240
American Family$2036
Country Financial$2342
Erie$1634
GEICO$1487
Kentucky Farm Bureau$2473
Liberty Mutual$1669
Mercury$2173
Nationwide$1730
Progressive$1547
State Farm$1589
Tennessee Farmers$2115
Texas Farm Bureau$2016
The Hanover$2481
Travelers$2319

Compare all 2019 BMW Z4 rates

Average Cost to Insure Per Year

$2357

List Price

$50695

Trims Available

sDrive28i - sDrive35i - sDrive35is - Base Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2018 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2411
Allstate$2066
American Family$1964
Country Financial$2189
Erie$1538
GEICO$1411
Kentucky Farm Bureau$2234
Liberty Mutual$1664
Mercury$2036
Nationwide$1720
Progressive$1435
State Farm$1468
Tennessee Farmers$2015
Texas Farm Bureau$1834
The Hanover$2280
Travelers$2181

Compare all 2018 BMW Z4 rates

Average Cost to Insure Per Year

$2230

List Price

$49700

Trims Available

sDrive28i - sDrive35i - sDrive35is - Base Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features

2017 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2390
Allstate$1845
American Family$1624
Country Financial$2014
Erie$1500
GEICO$1280
Kentucky Farm Bureau$2187
Liberty Mutual$1511
Mercury$1729
Nationwide$1536
Progressive$1326
State Farm$1457
Tennessee Farmers$1637
Texas Farm Bureau$1580
The Hanover$2267
Travelers$1935

Compare all 2017 BMW Z4 rates

Average Cost to Insure Per Year

$2297

List Price

$49900

Trims Available

sDrive28i - sDrive35i - sDrive35is - Base Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist

2016 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1284
Acuity$ 1284
Allied$ 1262
Allied$ 1262
Arbella$ 1545
Arbella$ 1545
Country$ 1408
Country$ 1408
Erie$ 1190
Erie$ 1190
GEICO$ 1314
GEICO$ 1314
Nationwide$ 1370
Nationwide$ 1370
Plymouth Rock Insurance$ 1142
Plymouth Rock Insurance$ 1142
State Farm$ 1511
State Farm$ 1511
Tennessee Farmers$ 1446
Tennessee Farmers$ 1446
USAA$ 1500
USAA$ 1500
Vermont Mutual$ 1297
Vermont Mutual$ 1297

Compare all 2016 BMW Z4 rates

Average Cost to Insure Per Year

$ 2246

List Price

$ 49700

Trims Available

sDrive28i - sDrive35i - sDrive35is

2015 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1238
Acuity$ 1238
Allied$ 1272
Allied$ 1272
Arbella$ 1540
Arbella$ 1540
Country$ 1378
Country$ 1378
Erie$ 1153
Erie$ 1153
GEICO$ 1294
GEICO$ 1294
Nationwide$ 1407
Nationwide$ 1407
Plymouth Rock Insurance$ 1115
Plymouth Rock Insurance$ 1115
State Farm$ 1438
State Farm$ 1438
Tennessee Farmers$ 1266
Tennessee Farmers$ 1266
USAA$ 1440
USAA$ 1440
Vermont Mutual$ 1245
Vermont Mutual$ 1245

Compare all 2015 BMW Z4 rates

Average Cost to Insure Per Year

$ 2272

List Price

$ 48950

Trims Available

sDrive28i - sDrive35i - sDrive35is

2014 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1173
Acuity$ 1173
Allied$ 1221
Allied$ 1221
Arbella$ 1555
Arbella$ 1555
Country$ 1368
Country$ 1368
Erie$ 1129
Erie$ 1129
GEICO$ 1535
GEICO$ 1535
Nationwide$ 1497
Nationwide$ 1497
Plymouth Rock Insurance$ 1093
Plymouth Rock Insurance$ 1093
Southern Farm Bureau$ 1637
Southern Farm Bureau$ 1637
Tennessee Farmers$ 1308
Tennessee Farmers$ 1308
USAA$ 1379
USAA$ 1379
Vermont Mutual$ 1247
Vermont Mutual$ 1247

Compare all 2014 BMW Z4 rates

Average Cost to Insure Per Year

$ 2672

List Price

$ 48950

Trims Available

sDrive28i - sDrive35i - sDrive35is

2013 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1026
Acuity$ 1026
Allied$ 1221
Allied$ 1221
Arbella$ 1302
Arbella$ 1302
Country$ 1170
Country$ 1170
Erie$ 1053
Erie$ 1053
GEICO$ 1165
GEICO$ 1165
Nationwide$ 1387
Nationwide$ 1387
Plymouth Rock Insurance$ 1043
Plymouth Rock Insurance$ 1043
Southern Farm Bureau$ 1439
Southern Farm Bureau$ 1439
Tennessee Farmers$ 1111
Tennessee Farmers$ 1111
USAA$ 1236
USAA$ 1236
Vermont Mutual$ 1047
Vermont Mutual$ 1047

Compare all 2013 BMW Z4 rates

Average Cost to Insure Per Year

$ 2214

List Price

$ 47350

Trims Available

sDrive28i - sDrive35i - sDrive35is

2012 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1030
Acuity$ 1030
Allied$ 1143
Allied$ 1143
American Family$ 1318
American Family$ 1318
Country$ 1230
Country$ 1230
Erie$ 1005
Erie$ 1005
GEICO$ 1134
GEICO$ 1134
Nationwide$ 1310
Nationwide$ 1310
Plymouth Rock Insurance$ 1014
Plymouth Rock Insurance$ 1014
State Farm$ 1317
State Farm$ 1317
Tennessee Farmers$ 1185
Tennessee Farmers$ 1185
USAA$ 1111
USAA$ 1111
Vermont Mutual$ 1074
Vermont Mutual$ 1074

Compare all 2012 BMW Z4 rates

Average Cost to Insure Per Year

$ 2036

List Price

$ 48650

Trims Available

sDrive28i - sDrive35i - sDrive35is

2011 BMW Z4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1138
Acuity$ 1138
Allied$ 1066
Allied$ 1066
Arbella$ 1198
Arbella$ 1198
Country$ 1150
Country$ 1150
Erie$ 1016
Erie$ 1016
GEICO$ 1194
GEICO$ 1194
Nationwide$ 1269
Nationwide$ 1269
Plymouth Rock Insurance$ 993
Plymouth Rock Insurance$ 993
Southern Farm Bureau$ 1356
Southern Farm Bureau$ 1356
Tennessee Farmers$ 1135
Tennessee Farmers$ 1135
USAA$ 1059
USAA$ 1059
Vermont Mutual$ 996
Vermont Mutual$ 996

Compare all 2011 BMW Z4 rates

Average Cost to Insure Per Year

$ 2224

List Price

$ 47450

Trims Available

sDrive30i - sDrive35i - sDrive35is