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BMW Z3 Car Insurance

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The BMW Z3 is a classic compact roadster valued for its timeless styling and agile rear-wheel-drive handling. A sought-after collector vehicle, it attracts enthusiasts looking for a light, distinctive sports car rather than a daily driver.

BMW Z3 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the BMW Z3 fluctuate without a clear linear trend, 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. These variations may reflect limited data volume for a collector vehicle.

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

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
GATINEAU $427.28
LAVAL $401.23
QUÉBEC $344.44
SHERBROOKE $575.52

BMW Z3 average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
BMW Z3 2002 $373.14
BMW Z3 2001 $423.79

Frequently asked questions (FAQ)

How much does auto insurance cost for a BMW Z3?
The average premium for a BMW Z3 varies by year, ranging from $135 to $439 between 2021 and 2026, with a value of $411 in 2026.
Are BMW Z3 premiums stable over time?
No. Between 2021 and 2026, the average premium fluctuates considerably, dropping to a low of $135 in 2023 and climbing to a high of $439 in 2025, with no clear linear trend.
Which is cheaper to insure, Laval or Sherbrooke?
Based on the data provided, Laval ($401) offers a lower average premium than Sherbrooke ($576) for this model.
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 can BMW Z3 premiums vary so much?
Since the Z3 is a low-volume collector vehicle, insurers have less claims data available, which can lead to significant year-to-year variation in premiums.
How can I get the best premium for a BMW Z3?
Comparing quotes from several insurers specializing in collector vehicles remains the most reliable way to secure a competitive price.

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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: 08/13/2026

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