Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a BMW Z4 is $3,118 per year or $260 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2024 BMW Z4 costs $3,118, whereas the 2023 BMW Z4 costs $3,062 annually. This is $56 less than the 2024 rates.
State Farm offers the cheapest annual rate for 2024 BMW Z4 at $2,221 per year.
Below, we'll look at BMW Z4 insurance rates and show you how to save.
Average insurance cost of BMW Z4 by model year
| Year of BMW Z4 model | Average cost to insure |
|---|---|
| 2024 | $3,118 |
| 2023 | $3,062 |
| 2022 | $2,881 |
| 2021 | $2,755 |
| 2020 | $2,763 |
Compare Z4 insurance rates by state
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 2 Door Convertible DOHC Turbo | $2,193 |
| Nationwide | 2WD 2 Door Convertible DOHC Turbo | $2,531 |
| GEICO | 2WD 2 Door Convertible DOHC Turbo | $2,901 |
| Progressive | 2WD 2 Door Convertible DOHC Turbo | $3,047 |
| Allstate | 2WD 2 Door Convertible DOHC Turbo | $5,496 |
BMW Z4 insurance rates per year
2024 BMW Z4 insurance rates
Rank Company Average annual premium 1 State Farm $2,221 2 Nationwide $2,296 3 Progressive $2,764 4 GEICO $3,170 5 Farmers $3,472 6 Allstate $4,786 2023 BMW Z4 insurance rates
Rank Company Average annual premium 1 Nationwide $1,944 2 State Farm $2,264 3 Progressive $2,986 4 GEICO $3,110 5 Farmers $3,380 6 Allstate $4,687 2022 BMW Z4 insurance rates
Rank Company Average annual premium 1 Nationwide $1,955 2 State Farm $2,050 3 GEICO $2,878 4 Progressive $2,920 5 Farmers $3,291 6 Allstate $4,194 2021 BMW Z4 insurance rates
Rank Company Average annual premium 1 Nationwide $1,966 2 State Farm $2,024 3 Progressive $2,693 4 GEICO $2,773 5 Farmers $3,162 6 Allstate $3,909 2020 BMW Z4 insurance rates
Rank Company Average annual premium 1 Nationwide $1,971 2 State Farm $2,473 3 GEICO $2,662 4 Progressive $2,720 5 Farmers $3,023 6 Allstate $3,726 2019 BMW Z4 insurance rates
Rank Company Average annual premium 1 Nationwide $1,848 2 State Farm $2,130 3 GEICO $2,342 4 Progressive $2,422 5 Farmers $2,736 6 Allstate $3,022
BMW insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage