BMW Z4 Car Insurance Calculator

Learn how changes to different risk factors impact the cost of car insurance for a BMW Z4. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2024 BMW Z4 is $2,590 per year, or about $216 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,590

Cost Per Month

$216

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW Z4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a BMW Z4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,590
Average Rate
Your Rate
$2,590

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW Z4.

The 'Average Rate' is a combined value for all BMW Z4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 BMW Z4 is $2,590.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 BMW Z4 vs. the Sports Car Segment

The table below compares insurance rates for the 2024 BMW Z4 against all other models in the sports car segment. The BMW Z4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW Z4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW Z4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 BMW Z4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$2,166-$424
2Toyota GR86$2,468-$122
3Ford Mustang$2,572-$18
4BMW Z4$2,590--
5Subaru WRX$2,624$34
6Toyota GR Supra$2,632$42
7BMW M2$2,708$118
8Nissan Z$2,716$126
9Lexus RC F$2,766$176
10Subaru BRZ$2,802$212
11BMW M3$2,960$370
12Porsche 718$3,016$426
13Chevrolet Camaro$3,044$454
2024 Sports Car Average$3,222$632
14Chevrolet Corvette$3,244$654
15Porsche 911$3,356$766
16BMW M4$3,494$904
17Lexus LC 500$3,514$924
18Jaguar F-Type$3,694$1,104
19Mercedes-Benz AMG GT53$3,876$1,286
20Porsche Taycan$3,968$1,378
21Mercedes-Benz SL 55$4,520$1,930
22Nissan GT-R$4,562$1,972
23Mercedes-Benz SL 63$4,812$2,222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Z4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 BMW Z4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 BMW Z4 Insurance Rates by Trim Level
2024 BMW Z4 Trim Level Annual Premium Cost Per Month
sDrive 30i Convertible$2,480$207
M40i Convertible$2,696$225

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 BMW Z4 for different driver ages.

2024 BMW Z4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,134$761
17$8,864$739
18$7,975$665
19$7,256$605
20$5,571$464
21$5,318$443
22$4,770$398
23$3,914$326
24$3,702$309
25$3,006$251
30$2,764$230
35$2,658$222
40$2,590$216
45$2,418$202
50$2,290$191
55$2,134$178
60$2,140$178
65$2,280$190
70$2,456$205
75$2,878$240
80$3,540$295

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW Z4 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW Z4.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW Z4 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 BMW Z4$2,590$216
2023 BMW Z4$2,488$207
2022 BMW Z4$2,300$192
2021 BMW Z4$2,258$188
2020 BMW Z4$2,188$182
2016 BMW Z4$1,734$145
2015 BMW Z4$1,508$126
2014 BMW Z4$1,672$139
2013 BMW Z4$1,438$120

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all BMW Z4 trim levels for each model year.