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BMW Z4 Car Insurance

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The BMW Z4 is an elegant convertible roadster blending sportiness and refinement. Positioned in the premium two-seat convertible segment, it attracts drivers seeking dynamic driving and distinctive styling for pleasure use rather than daily commuting.

BMW Z4 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW Z4 increase overall, moving from $212 to $608, with a marked jump between 2023 and 2024 ($362 to $604) followed by slight fluctuation in 2025 and 2026. The general trend remains upward over the available period.

To find the best insurance for your BMW Z4 vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW Z4 cost in Quebec?

Premiums are highest in Brossard ($1347), Quebec City ($837), and Longueuil ($746), while Repentigny ($154) and Saguenay ($309) show the lowest amounts. The gap between cities is particularly pronounced 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
BROSSARD $1346.80
DRUMMONDVILLE $426.04
LAVAL $619.73
LÉVIS $404.95
LONGUEUIL $746.10
QUÉBEC $837.10
REPENTIGNY $308.69
Saguenay $464.04
SAINT-JÉRÔME $438.93
SHERBROOKE $434.83
TERREBONNE $368.25
TROIS-RIVIÈRES $452.48

BMW Z4 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 Z4 2026 $1550.54
BMW Z4 2025 $1931.20
BMW Z4 2022 $992.75
BMW Z4 2021 $866.45
BMW Z4 2020 $911.04
BMW Z4 2019 $779.55
BMW Z4 2013 $447.55
BMW Z4 2012 $749.84
BMW Z4 2011 $494.26
BMW Z4 2009 $415.32
BMW Z4 2008 $335.41
BMW Z4 2007 $370.75
BMW Z4 2006 $368.39
BMW Z4 2005 $401.91
BMW Z4 2004 $459.29
BMW Z4 2003 $365.50

Frequently asked questions (FAQ)

How much does it cost to insure a BMW Z4?
The average premium for a BMW Z4 was $608 in 2026, up from previous years. This amount can vary significantly depending on the city and driver profile.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is required to drive a road vehicle on public roads.
Why did the BMW Z4 premium jump between 2023 and 2024?
Between 2023 and 2024, the average premium rose from $362 to $604, a significant increase possibly tied to higher repair and parts replacement costs for this premium roadster.
Which city offers the lowest insurance cost for a BMW Z4?
Based on the data provided, Repentigny ($154) and Saguenay ($309) post the lowest average premiums for this model.
Why is the premium so high in Brossard for the Z4?
At $1347, Brossard stands out well above other cities, which may reflect local factors such as traffic density or claim frequency in the area.
What factors influence the premium for a BMW Z4?
Its status as a sporty convertible, parts costs, replacement value, and driver profile are the main factors influencing the premium for this model.
How can I reduce the premium for a BMW Z4?
Comparing quotes from several insurers and checking premiums by city of residence, where gaps can exceed $1000, are effective ways to reduce costs.

Offers received by our customers on BMW Z4 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: 08/13/2026

Versions covered by this BMW Z4 page

The premiums above cover every version of the BMW Z4, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
Z4 2.5i ROADSTER 2003 - 2005
Z4 28i ROADSTER 2012 - 2016
Z4 3.0i ROADSTER 2003 - 2008
Z4 3.0si 2DR COUPE 2007 - 2008
Z4 3.0si ROADSTER 2006 - 2008
Z4 30i ROADSTER 2009 - 2026
Z4 35i ROADSTER 2009 - 2016
Z4 35is ROADSTER 2011 - 2016
Z4 M40i ROADSTER 2020 - 2026

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