BMW Z4 Car Insurance

The BMW Z4 is one of the most popular convertible/coupe vehicles on the road. Unfortunately, there are several factors about this particular model that might make it difficult to insure. If you own or are planning to purchase a BMW Z4 in convertible form, understand that premiums will be higher due to safety concerns. It’s also a luxury vehicle, which means repairing or replacing it in the event of a collision will get expensive. Finally, the fact that it is such a speedy vehicle increases the risk that you will collect speeding tickets or worse – cause an accident due to driving too fast. However, there are ways to bring these costs down so that you get a relatively affordable policy on your BMW Z4. Keep reading to learn how.

A Brief History of the BMW Z4

The first generation of the BMW Z4 started production in 2003, and ran until 2009. This generation was the spiritual successor to the BMW Z3 which came before it. The second generation of the BMW Z4 started selling in 2009, and was retired at the end of 2016. However, for BMW Z4 fans, there is hope that they can get their hands on a brand new, shiny model in the future. BMW premiered a third generation Z4 concept car back in August 2017 while at the Pebble Beach Concourse. Auto enthusiasts the world over are waiting to hear more about what the third generation of this popular model has to offer.

BMW Z4 in the News

Just because people aren’t a hundred percent sure on the details of the upcoming third generation of the BMW Z4 doesn’t mean that people aren’t spinning theories of their own. Like many of its models, the BMW Z4 is being secretly tested in remote areas in order to make sure that the vehicle is ready for mass market sales. However, there is some gossip that suggest that the upcoming debut of the Toyota Supra may provide some real competition for the third generation of the BMW Z4.

Comparing BMW Z4 Auto Insurance

Where do you park your BMW Z4 at night? The answer to that question is going to reveal a great deal about how much you should pay for your insurance premiums. Rates vary from state-to-state, from city to city, and even from zip code to zip code. Safe areas with low traffic density and low rates of theft will get you a better deal, whereas large cities with high crime rates and gridlock traffic may end up costing you more.

BMW Z4 Car Insurance by State Legend: BMW Z4 New Mexico Alabama New Jersey North Dakota Wisconsin 15 30 45 60 75 90 105 120 135 150 165 $98 $115 $174 $86 $108


Confusingly, it’s impossible to figure out why insurance companies can’t agree on what price to charge certain drivers. One company may charge you up to 20% more than the next agency right down the street. There are also niche insurance companies that cater to specific groups of people, like those with poor credit. Your personal circumstances will largely determine how much your quotes will fluctuate between different insurance companies.

BMW Z4 Auto Insurance by Company Legend: BMW Z4 Farmers Nationwide State Farm Liberty Mutual Esurance 15 30 45 60 75 90 105 120 135 $108 $134 $141 $112 $109


Your driving history is of particular concern to insurance companies when thinking about insuring a vehicle like the BMW Z4. It’s no surprise that drivers who like to drive fast, sporty, flashy vehicles tend to have a little bit of a lead foot. And if you get caught too many times speeding around in a vehicle like the Z4, those tickets will start to add up. You will literally be paying for those violations long after you settle your fee with the courts.

BMW Z4 Car Insurance by Driving Record Legend: Clean Record Speeding Tickets Farmers Nationwide State Farm Liberty Mutual Esurance 20 40 60 80 100 120 140 160 180 200 220 $108 $167 $134 $227 $141 $232 $112 $179 $109 $169


We know, we know, finding a good price on BMW Z4 car insurance seems like an uphill battle. But it doesn’t have to be. You have a secret weapon on your side: the ability to get fast, free quotes from a handful of insurance companies near you in a matter of minutes. Well, technically, it’s our secret weapon – but we’d be more than happy to share it with you. You can start saving money today.

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See also: Cheap Car Insurance | BMW Car Insurance