Car Buying Strategies

2020 BMW Z4 Prices: MSRP vs Dealer Invoice vs True Dealer Cost

2020 BMW Z4 Invoice Price Guide - Holdback - Dealer Cost - MSRP
Price terms Used:
MSRP What is MSRP? Invoice Price What is Dealer Invoice Price? Destination Fee Whatis the Destination Fee? Holdback What is Holdback? Dealer Cost What is Dealer Cost?
2020 X7 Trim: 4-Door xDrive40i Automatic SUV. Powered by a 3L 6 Cylinder w/AWD - Gas Engine
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2020 X7 Trim: 4-Door M50i Automatic SUV. Powered by a 4.4L 8 Cylinder w/AWD - Gas Engine
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Price Tip:
To avoid overpaying on a new BMW Z4, shop prices online first. Get up front pricing before you walk into a dealership. We recommend the following free services;
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BMW Z4 Overview:

Priced thousands of dollars less than close rivals like the Porsche Boxster, the 2020 BMW Z4 has become one of today’s best drop-top sports cars. Not only does the new Z4 deliver open-air driving fun, but it also has an extremely comfortable cabin. Meanwhile, good fuel economy makes this convertible great for weekend getaways.

What’s New for 2020?

This year, BMW has introduced a more potent M40i trim. It’s designed for drivers who demand an elevated level of performance. No other changes were made to the 2020 BMW Z4 lineup.

What Styles Does It Come In?

The BMW Z4 is a convertible sports car. This two-seater uses a rear-wheel-drive system.

What Are the Available Trims?

For 2020, the BMW Z4 is now offered in two trims. The most affordable trim is the Z4 Drive 30i, which comes equipped with a turbo four-cylinder engine. An eight-speed automatic gearbox is the only available transmission.

On the inside, the Z4 sDrive 30i is loaded with comforting features. A pair of 14-way power-adjustable seats help passengers to enjoy a pleasant ride. Automatic climate control also comes standard as well. In-vehicle technology is plentiful. The car’s digital gauge cluster looks especially eye-catching. However, BMW’s iDrive infotainment system is even more impressive. It provides a 10.25-inch display with navigation.

Stepping up to the Z4 M40i brings enhanced performance. It receives a turbo six-cylinder engine. Along with the extra muscle comes upgrades for tighter handling. Just a few more amenities are found on the Z4 M40i, including upgraded heated seats and satellite radio.

Keep in mind that both of these trims offer some premium options. The available Harman Kardon stereo sounds very powerful. Many drivers will also enjoy having Wi-Fi connectivity. Some of the other goodies include a head-up display, a wireless charger, and hands-free parking.

The BMW X4’s Exterior

The 2020 BMW Z4 has a gorgeous look. While the Z4 shares its platform with the new Toyota Supra, a noticeably more refined exterior sets apart the Z4. Its front fascia is sure to catch the attention of onlookers, which features a sport bumper and a bold twin-kidney grille. LED headlights are standard as well.

In comparison to the sDrive 30i model, the M40i model has a meaner look. It features a standard body kit and upgraded performance wheels. BMW also offers a sport appearance package for the X4 sDrive 30i. Misano Blue Metallic and Alpine White are two of the car’s hottest paint options.

Driving Experience

The 2020 BMW Z4 offers driving fun with its top up or down. Some drivers will prefer the lightness and lower price of the standard four-cylinder engine. BMW tunes it to churn out 255 horsepower. A tested 0-60 mph time of 5.2 seconds means drivers can have some serious fun. However, choosing the six-cylinder engine increases output to 382 horsepower. This extra power lowers the car’s 0-60 mph time to 3.9 seconds.

A composed ride helps the new Z4 to feel comfortable on long drives. Furthermore, even the base sDrive 30i offers an optional Track Package. It adds an adaptive suspension and stronger brakes. This upgrade is a must for drivers who love to attack winding roads.

Fuel Economy

Both of the available trims are economical. The Z4 sDrive 30i returns 24 mpg town/32 mpg freeway. Even the more potent Z4 M40i delivers 24 mpg town/31 mpg freeway. Remember, this convertible demands the use of premium gas.

Quality and Comfort

The 2020 BMW Z4 features plenty of plush materials in its cabin. While leather upholstery is optional, BMW’s standard Sensatec upholstery is soft and luxurious. BMW also did a good job of minimizing wind noise when driving with the top down.

Because of its lack of a backseat, the Z4 isn’t a convertible that families can enjoy. Nevertheless, its front seats feel nice and cozy. There’s also just enough trunk space for golf bags and weekend travel gear.


The federal government has yet to evaluate the Z4’s crash protection. However, this convertible sports car does provide some high-tech driving aids. Automatic pre-collision braking is standard. Drivers can also opt for adaptive LED headlights, blind-spot warning, and speed-adaptive cruise control.

Drivers looking to have more fun this summer should consider buying a new 2020 BMW Z4. While the base model is entertaining enough for most folks, some driving enthusiasts will desire the M40i trim’s more exhilarating acceleration. Both trims offer great long-distance comfort and good fuel economy.
How to Calculate The Dealer Cost of a BMW Z4:

Formula for Calculating Dealer Cost:

  • Example: Base BMW Z4 invoice price + the dealer Invoice price of options + destination - Holdback = Total Dealer Cost.
  • What is Holdback? A hidden amount that manufacturers give back to a dealer. It is a percentage of the MSRP or the Invoice price.

Total Dealer Cost - Rebate and Incentive + Taxes / Licensing Fees = True Dealer Cost. (You can get rebates and incentives here.)

Note: All BMW Z4 MSRP, invoice and dealer cost dollar figures above are approximate amounts. Prices are subject to change without notice.

A note about rebates: Most rebates are subtracted from the "on the road" figure. In most cases, you can have the rebate if you are arranging your own financing or you are paying cash. If you decide to use the manufacturer’s low interest financing, you do not usually get the rebate. Ask your dealer for details.

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