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BMW Z3 Car Insurance

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The BMW Z3 is a compact roadster with a sporty character, valued for its agile handling and retro-chic style. A sought-after collector vehicle, it appeals to enthusiasts looking for an authentic open-top driving experience and exceptional driving enjoyment.

BMW Z3 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW Z3 fluctuate significantly, dropping from $210 in 2021 to a low of $135 in 2023, then climbing to $439 in 2025 before easing slightly to $411 in 2026. This volatility reflects the small sample size typical of collector vehicles.

To find the best insurance for your BMW Z3 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW Z3 cost in Quebec?

Based on the data provided, the average premium for the BMW Z3 is higher in Sherbrooke ($576) than in Laval ($401), a notable gap between the only two cities available for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
LAVAL $401.23
SHERBROOKE $575.52

Frequently asked questions (FAQ)

How much does auto insurance cost for a BMW Z3?
Based on the available data, the average premium for a BMW Z3 has varied considerably, reaching $411 in 2026 after peaking at $439 in 2025.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why do Z3 premiums vary so much year to year?
As an uncommon collector vehicle, the Z3 generates a limited data sample, which can produce significant swings, such as the move from $135 in 2023 to $439 in 2025.
Is the Z3 more expensive to insure in Sherbrooke or Laval?
Based on the data provided, the average premium is higher in Sherbrooke ($576) than in Laval ($401) for this model.
What factors influence the premium for a BMW Z3?
The vehicle's age, rarity, typical occasional use associated with collector cars, and parts availability can all influence the insurance premium.
How can I get the best premium for a collector car like the Z3?
Comparing multiple quotes from insurers specializing in collector vehicles is often the best way to secure a premium suited to this type of vehicle.

Offers received by our customers on BMW Z3 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026

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