2021 BMW Z4 Car Insurance Calculator

Learn how changes to risk factors and vehicle options impact the cost of insurance for a 2021 BMW Z4. Make changes to factors like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2021 BMW Z4 is $2,258 per year, or about $188 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

$2,258

Cost Per Month

$188

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 2021 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.

$2,258
Average Rate
Your Rate
$2,258

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 2021 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 2021 BMW Z4 is $2,258.

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.

2021 BMW Z4 vs. the Sports Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW Z4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,816-$442
2Ford Mustang$2,216-$42
3BMW Z4$2,258--
4Audi TT$2,362$104
5Toyota Supra$2,382$124
6Subaru WRX$2,390$132
7Nissan 370Z$2,434$176
8Subaru BRZ$2,554$296
9BMW M2$2,568$310
10Porsche 718$2,612$354
11Chevrolet Corvette$2,614$356
12Chevrolet Camaro$2,732$474
13Lexus RC F$2,742$484
14Dodge Challenger$2,876$618
15Mercedes-Benz AMG GT53$2,978$720
2021 Sports Car Average$2,982$724
16Jaguar F-Type$3,294$1,036
17Lexus LC 500$3,360$1,102
18BMW M4$3,454$1,196
19Porsche 911$3,484$1,226
20Mercedes-Benz AMG GT63$3,944$1,686
21Acura NSX$3,972$1,714
22BMW i8$3,976$1,718
23Audi R8$4,272$2,014
24Nissan GT-R$4,274$2,016

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.

2021 Z4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW Z4 Insurance Rates by Trim Level
2021 BMW Z4 Trim Level Annual Premium Cost Per Month
sDrive 30i Convertible$2,148$179
sDrive 30i Premium Convertible$2,212$184
sDrive 30i Sport Convertible$2,212$184
sDrive 30i Track Handling Convertible$2,212$184
sDrive 30i Executive Convertible$2,278$190
sDrive 40i Convertible$2,342$195
sDrive 40i Executive Convertible$2,406$201

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 2021 BMW Z4 for different driver ages.

2021 BMW Z4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,921$660
17$7,697$641
18$6,947$579
19$6,314$526
20$4,855$405
21$4,634$386
22$4,159$347
23$3,408$284
24$3,228$269
25$2,624$219
30$2,414$201
35$2,318$193
40$2,258$188
45$2,108$176
50$1,996$166
55$1,864$155
60$1,870$156
65$1,990$166
70$2,136$178
75$2,496$208
80$3,066$256

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.