2016 BMW Z4 Car Insurance Calculator

Get real-time feedback how different driver and vehicle factors affect car insurance rates for a 2016 BMW Z4. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2016 BMW Z4 is $1,734 per year, or about $145 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

$1,734

Cost Per Month

$145

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 2016 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.

$1,734
Average Rate
Your Rate
$1,734

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 2016 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 2016 BMW Z4 is $1,734.

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.

2016 BMW Z4 vs. the Sports Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW Z4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,432-$302
2BMW Z4$1,734--
3Subaru BRZ$1,776$42
4Subaru WRX$1,778$44
5Porsche Cayman$1,852$118
6Audi TT$1,870$136
7Ford Mustang$1,938$204
8Nissan 370Z$1,972$238
9BMW M2$2,002$268
10Chevrolet Camaro$2,012$278
11Porsche Boxster$2,032$298
12Dodge Challenger$2,172$438
13Alfa Romeo 4C$2,216$482
2016 Sports Car Average$2,233$499
14Lexus RC F$2,264$530
15Chevrolet Corvette$2,314$580
16Dodge Viper$2,324$590
17BMW M3$2,492$758
18Jaguar F-Type$2,536$802
19Porsche 911$2,560$826
20BMW M4$2,690$956
21Nissan GT-R$2,788$1,054
22BMW i8$3,214$1,480
23Maserati Granturismo$3,382$1,648

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.

2016 Z4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 BMW Z4 Insurance Rates by Trim Level
2016 BMW Z4 Trim Level Annual Premium Cost Per Month
28i sDrive Roadster$1,678$140
35i sDrive Roadster$1,728$144
35is sDrive Roadster$1,790$149

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 2016 BMW Z4 for different driver ages.

2016 BMW Z4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,016$501
17$5,839$487
18$5,261$438
19$4,790$399
20$3,683$307
21$3,518$293
22$3,159$263
23$2,602$217
24$2,461$205
25$2,008$167
30$1,852$154
35$1,782$149
40$1,734$145
45$1,620$135
50$1,534$128
55$1,434$120
60$1,436$120
65$1,524$127
70$1,634$136
75$1,906$159
80$2,336$195

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.