The BMW Z4 Roadster is a two-seat soft-top with a 1,998cc petrol engine. For a sports car, it has a fair number of insurers pricing it online. This guide covers the costs we can show, from the list price to insurance.
All insurance figures are examples for one stated driver, as of 1 November 2026. Your own price will turn on your details.
Versions
The new-car list on 2026-10-10 shows one version: the Z4 Roadster sDrive20i. It is petrol, with a 1,998cc engine and 194bhp. The body type is Sports, made in Germany.
Our quote form has four versions, all 1,998cc:
- Z4 Roadster sDrive20i
- Z4 Roadster sDrive20i M Sport
- Z4 Roadster sDrive20i Sport
- Z4 Roadster sDrive30i M Sport
The price page uses the sDrive20i, the version most insurers quote.
List price
As listed on 2026-10-10, the sDrive20i was S$339,000, with COE included. That figure changes after COE rounds. Compare offers on the same terms. Some include servicing or accessories and some do not. Since the COE is folded into the list price, ask how long a quoted figure holds.
COE
With a 1,998cc engine, above 1,600cc, the Z4 Roadster needs a Category B COE, as the price page states. Category B closed at S$131,901 in the October 2026, 2nd round. Newer rounds are on the COE page.
Road tax for 1,998cc
LTA's formula gives S$1,209.76 a year for a 1,998cc engine, before any age surcharge.
Past 10 years, the surcharge steps up:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page works out other sizes.
Insurance on the price page
The BMW Z4 Roadster price page prices these details:
- Car: Z4 Roadster sDrive20i, registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
7 insurers price it, across nine plans. The lowest premium is S$1,398.81 a year. The highest insurer's lowest plan is S$4,444.49, S$3,045.68 more, or 218% on top. Prices include 9% GST.
Most of the field is closer together. Eight of the nine plans fall between S$1,398.81 and S$2,315.94. Several are marked as estimates. Two entries share the same figures, at S$1,637.91 and S$2,129.28.
Twelve insurers have no online price for this model. Still, seven insurers is a reasonable choice for a two-seat sports car. It means you can compare plan features as well as price.
Excess, from S$600 to S$3,000
The lowest premium carries a S$3,000 excess, the largest on the page. Most other plans carry S$600. One carries S$1,500, and the dearest S$2,500. So the lowest price asks the most of you at claim time. The next plans up cost a few hundred dollars more but carry a S$600 excess.
How the price reacts
The lowest price when one detail changes:
- No NCD (0%): S$2,797.62, which is S$1,398.81 more
- 20% NCD: S$2,238.10, S$839.29 more
- Driver aged 27, 3 years' driving, 30% NCD: S$2,051.59, S$652.78 more
- Driver aged 65, 20 years' driving: S$1,398.81, the same
- New car, registered this year: S$1,427.65, S$28.84 more, with 6 insurers
- Car 8 years old: S$1,384.39, S$14.42 less
No NCD doubles the lowest price, a rise of 100%. The younger driver costs less than that here. The older driver pays the same as the standard case. Car age moves the price only by a few dollars.
These are lowest prices only, and the lowest plan has the S$3,000 excess. A plan with a smaller excess will show higher figures in each case. The price page lists every plan, so you can see how the S$600 plans move as well.
Six cars of similar engine size
For the same driver and car age, the price page shows:
- Lexus NX: S$970.26
- Mercedes-Benz GLC: S$925.60
- Lexus RX: S$921.75
- Mercedes-Benz E-Class: S$857.06
- Toyota Voxy: S$763.41
- Toyota Harrier: S$763
Their average lowest price is S$866.85. The Z4 Roadster costs 61% more, and all 6 are cheaper to insure. Those cars are family SUVs, saloons and MPVs, not sports cars, which partly explains the gap. The BMW car insurance page has other BMW models.
Costs to work out for yourself
- Petrol: your mileage and pump prices.
- Parking: covered parking may matter for a soft-top. Season rates depend on where you live and work.
- ERP: your routes and the hours you drive.
- Upkeep: the roof, tyres and brakes need care over the years. Follow the maker's schedule and read the warranty.
- Depreciation: the price you pay against the price you sell for.
Summary of yearly costs we can show
For the BMW Z4 Roadster sDrive20i:
- Road tax: S$1,209.76 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,398.81 a year, with a S$3,000 excess (as of 1 November 2026)
- Insurance, no NCD: from S$2,797.62
- Insurance, driver aged 27 with 30% NCD: from S$2,051.59
- Insurance, car 8 years old: from S$1,384.39
One-off, for reference: S$339,000 as listed on 2026-10-10. Category B COE closed at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the BMW Z4 Roadster
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW Z4 Roadster to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.