BMW Z4 Insurance: by Model Year & Company
BMW Z4 insurance costs an average of $1,284 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest BMW Z4 at $184/mo or $1,105 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a BMW Z4:
- The Z4 costs more to insure than most convertibles. Averaging $214/mo for the Z4 versus $189/mo for typical convertibles.
- If you're considering a vehicle similar to the Z4, like the BMW 1 Series ($138/mo), BMW 6 Series ($248/mo), or BMW 7 Series ($304/mo), your insurance costs will be about the same.
- American Family ($146/mo), Erie ($150/mo), Nationwide ($171/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,210 |
| Erie |
$2,591 |
| USAA |
$2,643 |
| Progressive |
$2,657 |
| Nationwide |
$2,729 |
| State Farm |
$3,124 |
| GEICO |
$4,478 |
| Farmers |
$4,969 |
| Allstate |
$6,537 |
Compare all 2025 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,8222024 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,132 |
| Erie |
$2,448 |
| Progressive |
$2,609 |
| Nationwide |
$2,794 |
| USAA |
$2,838 |
| State Farm |
$3,005 |
| GEICO |
$4,283 |
| Farmers |
$4,539 |
| Allstate |
$6,221 |
Compare all 2024 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,7162023 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,018 |
| Nationwide |
$2,207 |
| Erie |
$2,357 |
| Progressive |
$2,545 |
| State Farm |
$2,612 |
| USAA |
$2,775 |
| GEICO |
$4,238 |
| Farmers |
$4,446 |
| Allstate |
$6,242 |
Compare all 2023 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,5632022 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,762 |
| Erie |
$1,982 |
| Nationwide |
$2,142 |
| State Farm |
$2,296 |
| USAA |
$2,416 |
| Progressive |
$2,472 |
| GEICO |
$3,279 |
| Farmers |
$4,077 |
| Allstate |
$5,008 |
Compare all 2022 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,0192021 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,765 |
| Erie |
$2,216 |
| Nationwide |
$2,311 |
| Progressive |
$2,360 |
| USAA |
$2,470 |
| State Farm |
$2,568 |
| GEICO |
$3,786 |
| Farmers |
$4,013 |
| Allstate |
$5,051 |
Compare all 2021 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,1912020 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,920 |
| Erie |
$2,111 |
| Progressive |
$2,230 |
| Nationwide |
$2,253 |
| USAA |
$2,358 |
| State Farm |
$2,604 |
| GEICO |
$3,615 |
| Farmers |
$3,811 |
| Allstate |
$4,988 |
Compare all 2020 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$3,0942019 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,752 |
| Progressive |
$1,799 |
| American Family |
$1,869 |
| USAA |
$2,095 |
| Nationwide |
$2,181 |
| State Farm |
$2,320 |
| GEICO |
$2,894 |
| Farmers |
$3,530 |
| Allstate |
$4,279 |
Compare all 2019 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,6592016 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,500 |
| American Family |
$1,640 |
| Nationwide |
$1,767 |
| USAA |
$1,806 |
| Progressive |
$1,919 |
| State Farm |
$1,952 |
| GEICO |
$2,425 |
| Farmers |
$3,087 |
| Allstate |
$3,743 |
Compare all 2016 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,3162015 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,432 |
| American Family |
$1,590 |
| State Farm |
$1,679 |
| USAA |
$1,694 |
| Nationwide |
$1,695 |
| Progressive |
$1,799 |
| GEICO |
$2,331 |
| Farmers |
$2,965 |
| Allstate |
$3,471 |
Compare all 2015 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,1742014 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,350 |
| American Family |
$1,529 |
| USAA |
$1,546 |
| Nationwide |
$1,619 |
| Progressive |
$1,673 |
| State Farm |
$1,852 |
| GEICO |
$2,244 |
| Farmers |
$2,797 |
| Allstate |
$3,401 |
Compare all 2014 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,1012013 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,262 |
| American Family |
$1,475 |
| USAA |
$1,495 |
| State Farm |
$1,637 |
| Nationwide |
$1,763 |
| Progressive |
$1,855 |
| GEICO |
$2,154 |
| Farmers |
$2,696 |
| Allstate |
$3,489 |
Compare all 2013 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,0962012 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,211 |
| USAA |
$1,368 |
| American Family |
$1,410 |
| State Farm |
$1,624 |
| Nationwide |
$1,715 |
| Progressive |
$1,723 |
| GEICO |
$2,050 |
| Farmers |
$2,678 |
| Allstate |
$3,495 |
Compare all 2012 BMW Z4 insurance rates.
Average Cost to Insure Per Year
$2,0252011 BMW Z4
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,106 |
| USAA |
$1,234 |
| Progressive |
$1,457 |
| State Farm |
$1,471 |
| Nationwide |
$1,473 |
| American Family |
$1,480 |
| GEICO |
$1,883 |
| Farmers |
$2,271 |
| Allstate |
$3,582 |