2020 BMW Z4 Car Insurance Calculator

Learn and understand how changes to different risk factors impact car insurance rates for a 2020 BMW Z4. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2020 BMW Z4 is $2,188 per year, or about $182 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

$2,188

Cost Per Month

$182

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 2020 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.

$2,188
Average Rate
Your Rate
$2,188

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 2020 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 2020 BMW Z4 is $2,188.

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.

2020 BMW Z4 vs. the Sports Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW Z4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,760-$428
2Ford Mustang$2,128-$60
3BMW Z4$2,188--
4Audi TT$2,290$102
5Subaru WRX$2,320$132
6Nissan 370Z$2,360$172
7Toyota Supra$2,372$184
8Subaru BRZ$2,482$294
9BMW M2$2,486$298
10Chevrolet Corvette$2,520$332
11Porsche 718$2,546$358
12Chevrolet Camaro$2,646$458
13Lexus RC F$2,656$468
14Alfa Romeo 4C$2,738$550
15Dodge Challenger$2,792$604
16Mercedes-Benz AMG GT53$2,880$692
2020 Sports Car Average$2,882$694
17Jaguar F-Type$3,186$998
18Lexus LC 500$3,252$1,064
19BMW M4$3,342$1,154
20Porsche 911$3,364$1,176
21Mercedes-Benz AMG GT63$3,810$1,622
22Acura NSX$3,834$1,646
23BMW i8$3,842$1,654
24Audi R8$4,120$1,932
25Nissan GT-R$4,128$1,940

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.

2020 Z4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW Z4 Insurance Rates by Trim Level
2020 BMW Z4 Trim Level Annual Premium Cost Per Month
sDrive 30i Convertible$2,082$174
sDrive 30i Premium Convertible$2,144$179
sDrive 30i Sport Convertible$2,144$179
sDrive 30i Track Handling Convertible$2,144$179
sDrive 30i Executive Convertible$2,206$184
sDrive 40i Convertible$2,268$189
sDrive 40i Executive Convertible$2,330$194

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 2020 BMW Z4 for different driver ages.

2020 BMW Z4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,687$641
17$7,464$622
18$6,726$561
19$6,117$510
20$4,701$392
21$4,487$374
22$4,027$336
23$3,302$275
24$3,127$261
25$2,540$212
30$2,336$195
35$2,248$187
40$2,188$182
45$2,044$170
50$1,936$161
55$1,806$151
60$1,812$151
65$1,930$161
70$2,070$173
75$2,426$202
80$2,978$248

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.