BMW Z4 Insurance Cost in Louisiana
Insuring a BMW Z4 in Louisiana costs about $1,805 a year ($150/month) for full coverage by our estimate — +37% versus the same car nationally — the 1st most expensive of 51 states for this model.
BMW Z4 insurance in Louisiana at a glance
The BMW Z4 is 18% cheaper than the average vehicle to insure in Louisiana, reflecting HLDI collision losses of 104 and comprehensive losses of 87 (100 = average). Louisiana's own base rates are 37% higher than the national average, which carries through to every model.
Louisiana factors that affect Z4 premiums
- Uninsured drivers: 11.7% of Louisiana drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Z4.
- Theft: 182 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Louisiana's expected annual losses as relatively low for hail, relatively high for tornado, relatively high for hurricane, relatively moderate for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.36 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
BMW Z4 insurance cost in Louisiana cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| New Orleans | $1,970 | $565 | +9% |
| Baton Rouge | $1,965 | $565 | +9% |
| Shreveport | $1,885 | $540 | +4% |
| Lafayette | $1,920 | $555 | +6% |
| Lake Charles | $1,855 | $530 | +3% |
| Kenner | $2,105 | $605 | +17% |
| Bossier City | $1,850 | $530 | +2% |
| Monroe | $1,865 | $535 | +3% |
| Houma | $1,920 | $555 | +6% |
BMW Z4 insurance in Louisiana by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,425 | $2,295 | $4,955 | $413 |
| Young adult (22) | $830 | $1,335 | $2,885 | $240 |
| Adult in their 30s | $520 | $835 | $1,805 | $150 |
| Adult in their 50s | $475 | $765 | $1,660 | $138 |
| Senior (72) | $580 | $935 | $2,020 | $168 |
| 30s, one at-fault accident | $750 | $1,210 | $2,615 | $218 |
| 30s, DUI on record | $955 | $1,545 | $3,335 | $278 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $520 | $43 | $425–$610 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $835 | $69 | $685–$985 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,805 | $150 | $1,480–$2,125 |
Louisiana minimum: 15/30/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Louisiana
| Model | Full coverage in LA | vs. Z4 |
|---|---|---|
| Audi TT | $3,005 | +66% |
| Audi R8 | $3,005 | +66% |
| Infiniti Q60 | $3,005 | +66% |
| Porsche 911 | $2,435 | +35% |
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Frequently asked questions
How much is BMW Z4 insurance in Louisiana?
About $1,805 a year ($150 a month) for full coverage and $520 for Louisiana's minimum liability, for a driver in their 30s with a clean record. That is 37% more than the national estimate for the same car.
Is the BMW Z4 cheaper to insure than the average car in Louisiana?
The average vehicle in Louisiana is about $2,200 a year for full coverage in our model, so the BMW Z4 is 18% cheaper than average.
Where in Louisiana is BMW Z4 insurance cheapest?
Among the largest Louisiana cities, Bossier City has the lowest estimate (about $1,850) and Kenner the highest (about $2,105).
What insurance do I need for a BMW Z4 in Louisiana?
Louisiana requires at least 15/30/25 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.
- Louisiana Department of Insurance: Consumer's Guide to Auto Insurance
- La. R.S. 22:1295 (uninsured motorist coverage)
- Louisiana OMV: Suspensions (SR-22)
- Louisiana Department of Insurance: Consumer Complaint Form
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey