2015 BMW Z4 Car Insurance Calculator

Explore and understand how changes to different risk factors affect the cost of insurance for a 2015 BMW Z4. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2015 BMW Z4 is $1,508 per year, or about $126 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

$1,508

Cost Per Month

$126

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 2015 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.

$1,508
Average Rate
Your Rate
$1,508

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.

The 'Average Rate' is a combined value for all 2015 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 2015 BMW Z4 is $1,508.

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.

2015 BMW Z4 vs. the Sports Car Segment

The table below compares insurance rates for the 2015 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.

2015 BMW Z4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,062-$446
2BMW Z4$1,508--
3Subaru WRX$1,538$30
4Porsche Boxster$1,598$90
5Porsche Cayman$1,632$124
6Subaru BRZ$1,714$206
7Audi TT$1,810$302
8Ford Mustang$1,830$322
9Nissan 370Z$1,840$332
10Chevrolet Camaro$1,964$456
11Alfa Romeo 4C$2,022$514
2015 Sports Car Average$2,091$583
12Porsche 911$2,120$612
13Chevrolet Corvette$2,130$622
14BMW M3$2,178$670
15Dodge Challenger$2,182$674
16BMW M4$2,202$694
17Jaguar F-Type$2,290$782
18Dodge Viper$2,320$812
19Lexus RC F$2,344$836
20Audi R8$2,846$1,338
21Nissan GT-R$2,884$1,376
22BMW i8$2,972$1,464
23Maserati Granturismo$3,118$1,610

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.

2015 Z4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 BMW Z4 Insurance Rates by Trim Level
2015 BMW Z4 Trim Level Annual Premium Cost Per Month
28i sDrive Roadster$1,430$119
35i sDrive Roadster$1,518$127
35is sDrive Roadster$1,578$132

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 2015 BMW Z4 for different driver ages.

2015 BMW Z4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,094$425
17$4,955$413
18$4,489$374
19$4,087$341
20$3,162$264
21$3,022$252
22$2,723$227
23$2,247$187
24$2,133$178
25$1,744$145
30$1,616$135
35$1,550$129
40$1,508$126
45$1,410$118
50$1,334$111
55$1,246$104
60$1,248$104
65$1,320$110
70$1,410$118
75$1,626$136
80$1,974$165

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.