Audi R8 vs BMW Z4 Insurance Cost
The BMW Z4 is cheaper to insure by about $655 a year for full coverage by our estimate ($1,975 vs. $1,320), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Audi R8 | BMW Z4 | Difference |
|---|---|---|---|
| State minimum | $665 | $400 | +$265 |
| Standard (100/300/100) | $960 | $580 | +$380 |
| Full coverage | $1,975 | $1,320 | +$655 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = R8 minus Z4.
Why one costs more to insure
| Factor | Audi R8 | BMW Z4 |
|---|---|---|
| Segment | Luxury sports car | Luxury sports car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | — | 104 |
| HLDI comprehensive | — | 87 |
| HLDI property damage liability | — | 37 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 1 | 0 |
R8 vs Z4 insurance by state
By driver profile (full coverage)
| Driver | R8 | Z4 |
|---|---|---|
| Teen driver (18, own policy) | $5,440 | $3,630 |
| Young adult (22) | $3,165 | $2,110 |
| Adult in their 30s | $1,975 | $1,320 |
| Adult in their 50s | $1,820 | $1,215 |
| Senior (72) | $2,215 | $1,480 |
| 30s, one at-fault accident | $2,865 | $1,915 |
| 30s, DUI on record | $3,660 | $2,440 |
More comparisons
Frequently asked questions
Is the Audi R8 or the BMW Z4 cheaper to insure?
By our estimate the BMW Z4 is cheaper, by about $655 a year for full coverage ($1,975 vs. $1,320) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Audi R8 and BMW Z4?
Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 104 and comprehensive indices of n/a vs. 87 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.