BMW Z4 Insurance Cost in North Carolina
Insuring a BMW Z4 in North Carolina costs about $1,035 a year ($86/month) for full coverage by our estimate — −22% versus the same car nationally — the 11th cheapest of 51 states for this model.
BMW Z4 insurance in North Carolina at a glance
The BMW Z4 is 13% cheaper than the average vehicle to insure in North Carolina, reflecting HLDI collision losses of 104 and comprehensive losses of 87 (100 = average). North Carolina's own base rates are 28% lower than the national average, which carries through to every model.
North Carolina factors that affect Z4 premiums
- Uninsured drivers: 11.8% of North Carolina drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Z4.
- Theft: 204 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates North Carolina's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively high for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.24 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
BMW Z4 insurance cost in North Carolina cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Charlotte | $1,145 | $320 | +11% |
| Raleigh | $1,125 | $320 | +9% |
| Greensboro | $1,090 | $310 | +5% |
| Durham | $1,105 | $310 | +7% |
| Winston-Salem | $1,080 | $305 | +4% |
| Fayetteville | $1,030 | $295 | 0% |
| Cary | $1,115 | $315 | +8% |
| Wilmington | $1,055 | $300 | +2% |
| High Point | $1,075 | $305 | +4% |
| Concord | $1,120 | $320 | +8% |
| Greenville | $1,065 | $300 | +3% |
| Asheville | $1,050 | $295 | +1% |
| Gastonia | $1,120 | $315 | +8% |
| Jacksonville | $995 | $280 | −4% |
| Burlington | $1,100 | $310 | +6% |
BMW Z4 insurance in North Carolina by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $805 | $975 | $2,855 | $238 |
| Young adult (22) | $470 | $565 | $1,660 | $138 |
| Adult in their 30s | $295 | $355 | $1,035 | $86 |
| Adult in their 50s | $270 | $325 | $955 | $80 |
| Senior (72) | $330 | $395 | $1,160 | $97 |
| 30s, one at-fault accident | $425 | $515 | $1,505 | $125 |
| 30s, DUI on record | $540 | $655 | $1,920 | $160 |
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. | $295 | $24 | $240–$345 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $355 | $30 | $290–$420 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,035 | $86 | $850–$1,225 |
North Carolina minimum: 50/100/50 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in North Carolina
| Model | Full coverage in NC | vs. Z4 |
|---|---|---|
| Audi TT | $1,735 | +68% |
| Audi R8 | $1,735 | +68% |
| Infiniti Q60 | $1,735 | +68% |
| Porsche 911 | $1,515 | +46% |
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BMW Z4 insurance cost in every state · All BMW models
Frequently asked questions
How much is BMW Z4 insurance in North Carolina?
About $1,035 a year ($86 a month) for full coverage and $295 for North Carolina's minimum liability, for a driver in their 30s with a clean record. That is 22% less than the national estimate for the same car.
Is the BMW Z4 cheaper to insure than the average car in North Carolina?
The average vehicle in North Carolina is about $1,190 a year for full coverage in our model, so the BMW Z4 is 13% cheaper than average.
Where in North Carolina is BMW Z4 insurance cheapest?
Among the largest North Carolina cities, Jacksonville has the lowest estimate (about $995) and Charlotte the highest (about $1,145).
What insurance do I need for a BMW Z4 in North Carolina?
North Carolina requires at least 50/100/50 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.
- NCDMV: Vehicle Insurance Requirements
- NCDOI: Changes to the Rating of Automobile Insurance Policies
- N.C.G.S. 20-279.21 (motor vehicle liability policy)
- NCDMV: Proving Liability Insurance
- NCDOI: Assistance or File 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