BMW Z4 Insurance Cost in New Hampshire
Insuring a BMW Z4 in New Hampshire costs about $965 a year ($80/month) for full coverage by our estimate — −27% versus the same car nationally — the 9th cheapest of 51 states for this model.
BMW Z4 insurance in New Hampshire at a glance
The BMW Z4 is 15% cheaper than the average vehicle to insure in New Hampshire, reflecting HLDI collision losses of 104 and comprehensive losses of 87 (100 = average). New Hampshire's own base rates are 23% lower than the national average, which carries through to every model.
New Hampshire factors that affect Z4 premiums
- Uninsured drivers: 10.0% of New Hampshire drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Z4.
- Theft: 53 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates New Hampshire's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 0.96 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
BMW Z4 insurance cost in New Hampshire cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Manchester | $1,090 | $295 | +13% |
| Nashua | $1,100 | $300 | +14% |
| Concord | $980 | $270 | +2% |
| Dover | $1,005 | $275 | +4% |
| Rochester | $1,010 | $275 | +5% |
| Keene | $920 | $255 | −5% |
| Portsmouth | $1,020 | $280 | +6% |
| Laconia | $930 | $255 | −4% |
BMW Z4 insurance in New Hampshire by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $725 | $1,050 | $2,650 | $221 |
| Young adult (22) | $420 | $610 | $1,540 | $128 |
| Adult in their 30s | $265 | $380 | $965 | $80 |
| Adult in their 50s | $240 | $350 | $885 | $74 |
| Senior (72) | $295 | $425 | $1,080 | $90 |
| 30s, one at-fault accident | $380 | $555 | $1,395 | $116 |
| 30s, DUI on record | $485 | $705 | $1,780 | $148 |
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. | $265 | $22 | $215–$310 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $380 | $32 | $315–$450 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $965 | $80 | $790–$1,135 |
New Hampshire minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in New Hampshire
| Model | Full coverage in NH | vs. Z4 |
|---|---|---|
| Audi TT | $1,605 | +66% |
| Audi R8 | $1,605 | +66% |
| Infiniti Q60 | $1,605 | +66% |
| Porsche 911 | $1,360 | +41% |
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BMW Z4 insurance cost in every state · All BMW models
Frequently asked questions
How much is BMW Z4 insurance in New Hampshire?
About $965 a year ($80 a month) for full coverage and $265 for New Hampshire's minimum liability, for a driver in their 30s with a clean record. That is 27% less than the national estimate for the same car.
Is the BMW Z4 cheaper to insure than the average car in New Hampshire?
The average vehicle in New Hampshire is about $1,135 a year for full coverage in our model, so the BMW Z4 is 15% cheaper than average.
Where in New Hampshire is BMW Z4 insurance cheapest?
Among the largest New Hampshire cities, Keene has the lowest estimate (about $920) and Nashua the highest (about $1,100).
What insurance do I need for a BMW Z4 in New Hampshire?
New Hampshire 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.
- New Hampshire Insurance Department: Automobile Insurance Consumer Guide
- New Hampshire Insurance Department: Automobile Insurance
- NH RSA 264:15 (uninsured motor vehicle coverage)
- NH DMV: Insurance Requirements / SR-22
- New Hampshire Insurance Department: Auto Cost (premium comparison)
- New Hampshire Insurance Department: Filing a Complaint
- 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