+120 more*These quotes are from Compare.com users within the last 10 days. Updated on October 6, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on October 6, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Updated
BMW Z4 insurance averages $139 per month, which is about 15% lower than the national average of $163 per month.
USAA offers the lowest average rate for Z4 drivers, at $73 per month.
The Z4’s luxury details and sporty design increase repair costs. But safety features help offset higher premiums.
BMW Z4 insurance costs depend on the type of policy and coverage level you choose. A liability-only policy covers damage you cause to someone else in a crash. Full coverage includes liability, plus collision and comprehensive insurance.
Collision covers damage to your Z4 in an accident, and comprehensive pays for damage from things like fire, theft, vandalism, and weather-related incidents.
Take a look at the table below to learn how the average BMW Z4 rates compare to all other vehicles, according to Compare.com data.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| BMW Z4 | $100 | $177 | $139 |
| All vehicles | $113 | $212 | $163 |
Despite being a luxury roadster, the BMW Z4’s average car insurance cost is cheaper than the national average for all vehicles. Z4 drivers pay just $100 per month for liability insurance — about 12% less than the typical car. Full coverage costs around $177 per month, 17% less than the national average.
Next, we’ll explore how factors like your age, driving history, location, and model year affect Z4 insurance rates.
Insurance rates for the Z4 can vary quite a bit from one company to another, even for the same vehicle and coverage. That’s because each company weighs factors like vehicle type, driving history, location, and coverage options differently.
Comparing car insurance quotes from several insurers can help you get the best price for your Z4 coverage.
Check out the table below for the five cheapest insurance companies for the BMW Z4, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $103 |
| American Family | $110 |
| GEICO | $113 |
| AAA | $123 |
| Nationwide | $133 |
| Progressive | $136 |
| Travelers | $139 |
| Farmers | $157 |
| Liberty Mutual | $188 |
| Amica | $354 |
USAA has the lowest average rate for the Z4, at $73 per month. That’s roughly 47% less than the Z4’s overall average.
Here are more details about the three cheapest insurers and what makes each stand out for Z4 owners.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
For eligible drivers, USAA offers unbeatable premiums on the Z4 while providing strong coverage and safe driving discounts. If you don’t drive your Z4 daily, you might save even more with the SafePilot Miles pay-per-mile program. USAA also makes sure help is always just a call or app request away with 24/7 roadside assistance.
Affordable Z4 rates
Highly rated customer service
Shopping perks and discounts
Available only to military members and eligible family
Doesn’t offer a vanishing deductible
Few in-person branches
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you prefer personalized service and the ability to work with your agent face to face, consider State Farm. The insurer has a straightforward claims process and a long track record of reliable service. It’s also consistently earned high ratings for customer and claims satisfaction.
Many local agents
Lots of available discounts
Above-average customer satisfaction ratings
Fewer coverage options than some competitors
New car replacement not available
Accident forgiveness not available
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers Z4 drivers plenty of ways to customize their insurance policy, including extended warranty coverage, rideshare insurance, and rental reimbursement. You can also add accident forgiveness to protect your rates after an at-fault accident. Safe drivers could save even more with Drivewise, while low-mileage drivers may prefer Milewise pay-per-mile insurance.
Compare quotes and save on coverage for your BMW in seconds.
Insurance rates for your Z4 vary depending on the age of your car. Newer models usually cost more to insure because they have higher repair and replacement costs.[4] As your car ages and its value drops, coverage often becomes more affordable since the insurer’s potential claim payout decreases.
The table below shows average monthly premiums by Z4 model year, based on Compare.com data.
Z4 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $167 |
| 2025 | $168 |
| 2024 | $168 |
| 2023 | $167 |
| 2022 | $167 |
| 2021 | $162 |
| 2020 | $154 |
| 2019 | $151 |
| 2017 | $143 |
| 2016 | $139 |
| 2015 | $136 |
| 2014 | $134 |
| 2013 | $127 |
| 2012 | $123 |
| 2011 | $120 |
| 2010 | $118 |
| 2009 | $114 |
| 2008 | $113 |
| 2007 | $111 |
| 2006 | $110 |
| 2005 | $107 |
| 2004 | $104 |
| 2003 | $103 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| GEICO | $136 |
| AAA | $148 |
| American Family | $132 |
| Progressive | $163 |
| Nationwide | $159 |
| Travelers | $167 |
| Farmers | $188 |
| Liberty Mutual | $225 |
| Amica | $425 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $98 |
| Allstate | $124 |
| GEICO | $137 |
| AAA | $149 |
| American Family | $133 |
| Progressive | $164 |
| Nationwide | $161 |
| Travelers | $168 |
| Farmers | $190 |
| Liberty Mutual | $227 |
| Amica | $428 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $98 |
| Allstate | $124 |
| GEICO | $137 |
| AAA | $149 |
| American Family | $133 |
| Progressive | $164 |
| Nationwide | $161 |
| Travelers | $168 |
| Farmers | $190 |
| Liberty Mutual | $227 |
| Amica | $428 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| GEICO | $136 |
| AAA | $148 |
| American Family | $132 |
| Progressive | $164 |
| Nationwide | $160 |
| Travelers | $167 |
| Farmers | $189 |
| Liberty Mutual | $226 |
| Amica | $426 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| GEICO | $136 |
| AAA | $148 |
| American Family | $132 |
| Progressive | $164 |
| Nationwide | $160 |
| Travelers | $167 |
| Farmers | $189 |
| Liberty Mutual | $226 |
| Amica | $426 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $120 |
| GEICO | $131 |
| AAA | $143 |
| American Family | $128 |
| Progressive | $158 |
| Nationwide | $155 |
| Travelers | $162 |
| Farmers | $183 |
| Liberty Mutual | $219 |
| Amica | $412 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $90 |
| Allstate | $114 |
| GEICO | $125 |
| AAA | $137 |
| American Family | $122 |
| Progressive | $151 |
| Nationwide | $148 |
| Travelers | $154 |
| Farmers | $174 |
| Liberty Mutual | $209 |
| Amica | $393 |
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $88 |
| Allstate | $112 |
| GEICO | $123 |
| AAA | $134 |
| American Family | $120 |
| Progressive | $148 |
| Nationwide | $145 |
| Travelers | $151 |
| Farmers | $171 |
| Liberty Mutual | $205 |
| Amica | $385 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| GEICO | $116 |
| AAA | $127 |
| American Family | $113 |
| Progressive | $140 |
| Nationwide | $137 |
| Travelers | $143 |
| Farmers | $162 |
| Liberty Mutual | $194 |
| Amica | $365 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $103 |
| GEICO | $113 |
| AAA | $123 |
| American Family | $110 |
| Progressive | $136 |
| Nationwide | $133 |
| Travelers | $139 |
| Farmers | $157 |
| Liberty Mutual | $188 |
| Amica | $354 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $79 |
| Allstate | $101 |
| GEICO | $110 |
| AAA | $120 |
| American Family | $107 |
| Progressive | $133 |
| Nationwide | $130 |
| Travelers | $136 |
| Farmers | $153 |
| Liberty Mutual | $184 |
| Amica | $346 |
Where you live can make a big difference in your BMW Z4’s insurance cost. States with more traffic, severe weather, or higher rates of theft tend to have more claims, so premiums are higher. Rural areas with fewer accidents often have lower rates.
The map below shows average monthly premiums by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $115 |
| Arizona | $132 |
| Arkansas | $122 |
| California | $149 |
| Colorado | $149 |
| Connecticut | $207 |
| Delaware | $174 |
| Florida | $162 |
| Georgia | $185 |
| Hawaii | $92 |
| Idaho | $78 |
| Illinois | $76 |
| Indiana | $115 |
| Iowa | $95 |
| Kansas | $108 |
| Kentucky | $144 |
| Louisiana | $156 |
| Maine | $110 |
| Maryland | $221 |
| Massachusetts | $102 |
| Michigan | $167 |
| Minnesota | $126 |
| Mississippi | $132 |
| Missouri | $110 |
| Montana | $108 |
| Nebraska | $64 |
| Nevada | $85 |
| New Hampshire | $105 |
| New Jersey | $64 |
| New Mexico | $196 |
| New York | $105 |
| North Carolina | $184 |
| North Dakota | $160 |
| Ohio | $90 |
| Oklahoma | $125 |
| Oregon | $111 |
| Pennsylvania | $117 |
| Rhode Island | $160 |
| South Carolina | $178 |
| South Dakota | $100 |
| Tennessee | $103 |
| Texas | $159 |
| Utah | $109 |
| Vermont | $130 |
| Virginia | $104 |
| Washington | $123 |
| District of Columbia | $229 |
| West Virginia | $88 |
| Wisconsin | $107 |
| Wyoming | $82 |
Car insurance for the Z4 often gets more affordable as you gain driving experience. Younger drivers pay higher premiums because they have higher crash rates and less time behind the wheel. But rates drop sharply in your 20s and 30s, and seniors enjoy the lowest rates overall.
The table below shows average monthly premiums for the BMW Z4 by driver age, based on our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $267 |
| Adults | $139 |
| Seniors | $120 |
Young drivers, especially teens, pay more for Z4 insurance because they have a much higher crash risk. In fact, teen drivers are nearly four times more likely than older drivers to get into accidents due to inexperience and risky behavior.[5]
The chart below shows the cheapest monthly premiums for BMW Z4 drivers younger than 25, according to our data.
Category | Price |
|---|---|
| USAA | $117 |
| State Farm | $130 |
| Allstate | $165 |
| American Family | $176 |
| GEICO | $181 |
Seniors often enjoy lower car insurance rates because they typically drive less and take fewer risks while driving. Research shows older drivers are less likely than middle-aged drivers to be in fatal crashes, thanks to safer habits and vehicles.[6]
Here’s a look at the cheapest insurers for senior Z4 drivers, according to our data.
Category | Price |
|---|---|
| USAA | $62 |
| State Farm | $69 |
| Allstate | $88 |
| American Family | $94 |
| GEICO | $96 |
Few things matter more to insurers than your driving record. Past accidents and traffic violations signal future risk, prompting companies to adjust premiums accordingly.
Maintaining a clean history can save money, while repeated incidents often push rates higher. But certain companies focus on helping high-risk drivers secure coverage after serious violations.
The table below shows how average monthly premiums vary based on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $139 |
| Speeding ticket | $186 |
| At-fault accident | $199 |
| DUI | $234 |
A speeding ticket can cause your Z4 insurance rate to jump sharply. Even one violation can mark you as a higher-risk driver because speeding increases your risk of getting into an accident and filing a claim.[7] The amount of that increase often depends on how fast you were going and your prior record.
The chart below shows the cheapest companies for Z4 drivers with a speeding ticket, based on our data.
Category | Price |
|---|---|
| USAA | $94 |
| State Farm | $101 |
| Allstate | $134 |
| American Family | $143 |
| AAA | $150 |
Your car insurance rates can spike after an accident — especially if you’re at fault. Insurers raise premiums because accidents suggest a higher risk of future claims. The more severe the collision, the greater and longer-lasting the rate increase.[8]
The chart below shows the cheapest car insurance companies for BMW Z4 drivers with an at-fault accident, according to our data.
Category | Price |
|---|---|
| USAA | $95 |
| State Farm | $103 |
| Allstate | $134 |
| GEICO | $137 |
| American Family | $144 |
A DUI is one of the most serious driving violations, and it can potentially double your insurance rates. That’s because insurers view DUI convictions as strong indicators of high-risk driving habits. They know that people with one DUI are more likely to have another in the future and to file a potentially serious claim.[9]
Many states even require your insurer to file an SR-22 or FR-44 form to prove you have the required insurance before you can get your license back.
The chart below shows the cheapest companies for Z4 drivers with a DUI, based on our data.
Category | Price |
|---|---|
| USAA | $107 |
| State Farm | $119 |
| Allstate | $151 |
| GEICO | $154 |
| American Family | $161 |
Several key factors affect BMW Z4 car insurance rates, including:
The 2026 Z4 sDrive30i starts at $57,275. That expensive price tag could increase rates with some insurers to account for premium parts and high-performance components.
The higher-end Z4 M40i starts at nearly $70,000 and has a more powerful engine and more torque. That extra power increases the risk of claims and could raise your insurance premium.
The Z4 doesn’t have safety ratings from the IIHS or NHTSA, but it comes standard with forward-collision warning, automatic braking, and rollover protection. Ask your insurer if the Z4’s safety features can get you a discount.
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Although you might pay more for this luxury coupe, you still have plenty of ways to cut your Z4 insurance bill. Here are a few tips to cut your costs:
Bundle policies. Combine your Z4 insurance policy with your renters or home insurance for a multi-policy discount. You can also add another vehicle for a multi-car discount.
Store it safely. Keep your Z4 in a locked garage and install a theft-recovery system to reduce theft risk and potentially qualify for discounts.
Show off your safe driving skills. Many insurers offer telematics programs that reward safe driving over time.
Shop around regularly. Compare free quotes from multiple insurers to make sure you get the best rate for your Z4.
Get personalized quotes from 100+ top insurers.
Insuring your BMW Z4 can be confusing, from finding the best coverage to understanding how its sports car design affects your premiums. Here are answers to some common questions Z4 owners ask about protecting their car.
No. The overall average cost to insure a Z4 is $139 per month, which is much lower than the overall national average for all vehicles of $163 per month, according to Compare.com data. Liability-only coverage averages $100 per month, and full coverage costs an average of $177 per month.
USAA is the cheapest insurance company for the BMW Z4, with rates averaging $73 per month, according to Compare.com data. But USAA only serves members of the military community. State Farm and Allstate are affordable and more broadly available, offering average rates of $81 and $103 per month, respectively.
Car insurance for the 2025 Z4 is an average of $168 per month, according to Compare.com data. Full coverage averages $214 monthly, and liability coverage averages $121 per month.
The 2003 BMW Z4 is the cheapest BMW to insure, averaging $103 per month, according to Compare.com data. Among 2025 models, the Z4 wins again, averaging $168 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.