BMW car insurance
BMW Z4 Roadster insurance quotes by driver
What the BMW Z4 Roadster costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old BMW Z4 Roadster sDrive20i, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a BMW Z4 Roadster on one page: https://shentonbrokers.com/prices/car/bmw-z4-roadster
On 12 Nov 2026, BMW Z4 Roadster insurance costs from S$1,398.81 a year (QBE) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-z4-roadster
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$1,398.81 a year.
- A 25-year-old new driver pays from S$7,445.84, 5.3 times the settled driver's price.
- One S$5,000 claim takes the price to S$3,300.90, 2.4 times the settled driver's price.
- Online prices here run from age 21 to 75; some drivers get no online price at all.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount | S$10,013.36Buy NowSompo | S$10,013.36 | 1 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$9,298.53Buy NowSompo | S$9,975.52 | 2 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$8,634.78Buy NowSompo | S$9,643.64 | 2 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$7,822.68Buy NowSompo | S$10,652.50 | 3 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$7,445.84Buy NowSompo | S$9,147.20 | 4 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$6,745.15Buy NowSompo | S$8,384.32 | 4 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$6,263.65Buy NowSompo | S$7,901.52 | 4 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$2,637.76Buy NowQBE | S$5,555.69 | 5 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$5,535.98Buy NowSompo | S$7,495.95 | 4 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$5,401.34Buy NowSompo | S$7,433.22 | 4 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$2,344.67Buy NowQBE | S$4,534.66 | 5 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,946.82 | 5 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,617.80 | 5 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,565.58 | 5 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,503.09 | 5 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,382.42 | 5 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,324.33 | 5 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$2,051.59Buy NowQBE | S$3,097.13 | 5 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,212.23 | 5 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,271.69 | 5 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,217.56 | 5 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,193.35 | 5 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,193.35 | 5 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,193.35 | 5 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,193.35 | 5 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$3,300.90Buy NowLiberty | S$5,031.58 | 2 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | S$5,357.14Buy NowLiberty | S$10,586.62 | 2 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,193.35 | 5 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$1,398.81Buy NowQBE | S$2,308.81 | 5 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$4,287.80Buy NowSompo | S$5,502.15 | 4 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,103.13 | 5 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,096.41 | 5 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,096.41 | 5 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,096.93 | 5 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,106.04 | 5 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$1,173.60Buy NowQBE | S$2,106.04 | 5 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,193.35 | 5 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,193.35 | 5 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,193.35 | 5 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,193.35 | 5 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,206.17 | 5 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,235.84 | 5 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,264.30 | 5 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,292.95 | 5 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,333.07 | 5 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,382.42 | 5 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,382.42 | 5 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,394.28 | 5 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,412.22 | 5 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,425.50 | 5 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,425.71 | 5 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$1,332.20Buy NowQBE | S$2,396.89 | 5 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,396.89 | 5 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,396.89 | 5 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,396.89 | 5 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,393.89 | 5 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$1,398.81Buy NowQBE | S$2,363.09 | 5 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$3,363.57Buy NowLiberty | S$5,094.87 | 2 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,359.85 | 5 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,359.85 | 5 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,359.85 | 5 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,359.85 | 5 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$1,465.42Buy NowQBE | S$2,359.85 | 5 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$2,247.21Buy NowAllianz | S$2,755.01 | 3 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$2,332.72Buy NowAllianz | S$2,755.01 | 3 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$2,361.88Buy NowAllianz | S$2,755.01 | 3 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$2,397.32Buy NowAllianz | S$2,755.01 | 3 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$2,433.27Buy NowAllianz | S$2,755.01 | 3 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the BMW Z4 Roadster · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,398.81 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$2,118.68 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$2,193.35 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$2,315.94 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$4,444.49 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); Singlife (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$1,731.86 | +S$333.05 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,585.55 | +S$186.74 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,398.81 | the same |
Why it costs this
For a driver aged 40 with a 50% NCD on this BMW Z4 Roadster:
- The car matters too: insurers group models by value, repair costs and claims; the BMW Z4 Roadster has a 1,998cc engine.
- 11 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); Singlife (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
Price history
For a driver aged 40 with a 50% NCD on this BMW Z4 Roadster: Since 2 Nov 2026 the lowest price is unchanged, and QBE has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,398.81 | QBE |
| A week ago 5 Nov 2026 | S$1,398.81 | QBE |
How these prices are worked out
Each price is what the insurer charges today for each driver on this BMW Z4 Roadster, GST included: from the rates and plans insurers publish or quote on their own sites, checked against their online quotes every week. Shenton Brokers is an insurance broker in Singapore and compares every insurer that sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- QBE: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- Allianz: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1955-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Liberty: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred-rp?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=20&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=yes&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&claimCount=1&claimAmount=5000
- Sompo: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
Questions people ask
How much is BMW Z4 Roadster insurance in Singapore?
From S$1,398.81 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW Z4 Roadster sDrive20i, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is BMW Z4 Roadster insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$7,445.84 a year today at Sompo, 5.3 times the price for a settled driver with a 50% NCD. 4 insurers quote this driver online, against 5 for the settled driver.
How much more is BMW Z4 Roadster insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$3,300.90, 2.4 times the S$1,398.81 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW Z4 Roadster?
Yes, today: S$4,287.80 a year at 40 against S$7,445.84 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW Z4 Roadster?
QBE is cheapest for 50 of the 68 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.