Estimates, not quotes

BMW Z4 Insurance Cost in Connecticut

Insuring a BMW Z4 in Connecticut costs about $1,370 a year ($114/month) for full coverage by our estimate — +4% versus the same car nationally — the 14th most expensive of 51 states for this model.

BMW Z4 (photo from Wikimedia Commons)
Photo: Autobilder Gratis, CC BY 2.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW Z4 insurance in Connecticut at a glance

Full coverage
$1,370
$1,125–$1,615
25/50/25 minimum
$465
$39/mo
Same car nationally
$1,320
full coverage
Avg. car in CT
$1,685
−19% for the Z4

The BMW Z4 is 19% cheaper than the average vehicle to insure in Connecticut, reflecting HLDI collision losses of 104 and comprehensive losses of 87 (100 = average). Connecticut's own base rates are 9% higher than the national average, which carries through to every model.

Connecticut factors that affect Z4 premiums

  • Uninsured drivers: 11.8% of Connecticut drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Z4.
  • Theft: 171 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Connecticut's expected annual losses as very low for hail, relatively low for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Connecticut →

BMW Z4 insurance cost in Connecticut cities

CityFull coverageMinimumvs. state
Bridgeport$1,595$540+16%
Stamford$1,490$505+9%
New Haven$1,450$495+6%
Hartford$1,470$500+7%
Waterbury$1,490$505+9%
Norwalk$1,480$500+8%
Danbury$1,465$495+7%
New Britain$1,430$485+4%

BMW Z4 insurance in Connecticut by driver

Estimated annual BMW Z4 premium in Connecticut
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,280 $1,855 $3,765 $314
Young adult (22) $745 $1,080 $2,190 $183
Adult in their 30s $465 $675 $1,370 $114
Adult in their 50s $430 $620 $1,260 $105
Senior (72) $520 $755 $1,535 $128
30s, one at-fault accident $675 $980 $1,985 $165
30s, DUI on record $860 $1,250 $2,535 $211

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $465 $39 $380–$550
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $675 $56 $555–$795
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,370 $114 $1,125–$1,615

Connecticut minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Connecticut

ModelFull coverage in CTvs. Z4
Audi TT$2,280+66%
Audi R8$2,280+66%
Infiniti Q60$2,280+66%
Porsche 911$1,815+32%

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Estimated annual premium
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BMW Z4 insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW Z4 insurance in Connecticut?

About $1,370 a year ($114 a month) for full coverage and $465 for Connecticut's minimum liability, for a driver in their 30s with a clean record. That is 4% more than the national estimate for the same car.

Is the BMW Z4 cheaper to insure than the average car in Connecticut?

The average vehicle in Connecticut is about $1,685 a year for full coverage in our model, so the BMW Z4 is 19% cheaper than average.

Where in Connecticut is BMW Z4 insurance cheapest?

Among the largest Connecticut cities, New Britain has the lowest estimate (about $1,430) and Bridgeport the highest (about $1,595).

What insurance do I need for a BMW Z4 in Connecticut?

Connecticut requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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.

Sources used on this page