BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a BMW 2 Series Gran Coupe are $1,776 a year for full coverage insurance. Comprehensive insurance costs approximately $412 each year, collision costs $542, and liability is estimated at $584. Liability-only coverage costs approximately $678 a year, with high-risk coverage costing $3,776 or more. Teen drivers pay the most at $6,624 a year or more.
Average premium for full coverage: $1,776
Premium estimates by type of coverage:
Includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and 2 Series Gran Coupe models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW 2 Series Gran Coupe go from as low as $678 for your basic liability-only policy to a high rate of $3,776 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why all drivers should get quotes using their specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated BMW 2 Series Gran Coupe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,062
- Choosing higher $1,000 deductibles can save $220 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,776
- Choosing low deductibles for comp and collision coverage will cost an extra $410 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,776 or more
- An auto insurance policy for full coverage for a teen driver can cost $6,624 each year
Insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $6,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for BMW 2 Series Gran Coupe insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,390 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,604 | -$172 | -9.7% |
| Alaska | $1,360 | -$416 | -23.4% |
| Arizona | $1,472 | -$304 | -17.1% |
| Arkansas | $1,776 | -$0 | 0.0% |
| California | $2,022 | $246 | 13.9% |
| Colorado | $1,694 | -$82 | -4.6% |
| Connecticut | $1,822 | $46 | 2.6% |
| Delaware | $2,010 | $234 | 13.2% |
| Florida | $2,218 | $442 | 24.9% |
| Georgia | $1,640 | -$136 | -7.7% |
| Hawaii | $1,274 | -$502 | -28.3% |
| Idaho | $1,202 | -$574 | -32.3% |
| Illinois | $1,324 | -$452 | -25.5% |
| Indiana | $1,338 | -$438 | -24.7% |
| Iowa | $1,200 | -$576 | -32.4% |
| Kansas | $1,686 | -$90 | -5.1% |
| Kentucky | $2,420 | $644 | 36.3% |
| Louisiana | $2,630 | $854 | 48.1% |
| Maine | $1,096 | -$680 | -38.3% |
| Maryland | $1,464 | -$312 | -17.6% |
| Massachusetts | $1,418 | -$358 | -20.2% |
| Michigan | $3,082 | $1,306 | 73.5% |
| Minnesota | $1,486 | -$290 | -16.3% |
| Mississippi | $2,124 | $348 | 19.6% |
| Missouri | $1,576 | -$200 | -11.3% |
| Montana | $1,908 | $132 | 7.4% |
| Nebraska | $1,398 | -$378 | -21.3% |
| Nevada | $2,126 | $350 | 19.7% |
| New Hampshire | $1,278 | -$498 | -28.0% |
| New Jersey | $1,984 | $208 | 11.7% |
| New Mexico | $1,574 | -$202 | -11.4% |
| New York | $1,870 | $94 | 5.3% |
| North Carolina | $1,022 | -$754 | -42.5% |
| North Dakota | $1,450 | -$326 | -18.4% |
| Ohio | $1,226 | -$550 | -31.0% |
| Oklahoma | $1,822 | $46 | 2.6% |
| Oregon | $1,626 | -$150 | -8.4% |
| Pennsylvania | $1,694 | -$82 | -4.6% |
| Rhode Island | $2,368 | $592 | 33.3% |
| South Carolina | $1,608 | -$168 | -9.5% |
| South Dakota | $1,498 | -$278 | -15.7% |
| Tennessee | $1,554 | -$222 | -12.5% |
| Texas | $2,138 | $362 | 20.4% |
| Utah | $1,312 | -$464 | -26.1% |
| Vermont | $1,214 | -$562 | -31.6% |
| Virginia | $1,062 | -$714 | -40.2% |
| Washington | $1,372 | -$404 | -22.7% |
| West Virginia | $1,626 | -$150 | -8.4% |
| Wisconsin | $1,228 | -$548 | -30.9% |
| Wyoming | $1,580 | -$196 | -11.0% |
Choosing high deductibles can save as much as $630 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $525 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,800 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 126% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW 2 Series Gran Coupe | $432 | $562 | $558 | $1,790 |
| 2023 BMW 2 Series Gran Coupe | $412 | $542 | $584 | $1,776 |
| 2022 BMW 2 Series Gran Coupe | $394 | $536 | $598 | $1,766 |
Rates are averaged for all BMW 2 Series Gran Coupe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest BMW 2 Series Gran Coupe Insurance
Finding better rates on car insurance takes being a good driver, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the material that was presented in the illustrations above.
- Policyholders who purchase an increased level of liability coverage will pay about $640 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $552 per month for full coverage
- Higher risk drivers that have major violations or accidents may pay on average $2,000 more per year than a safer driver
- Increasing policy deductibles can save around $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,624 |
| 20 | $4,006 |
| 30 | $1,840 |
| 40 | $1,776 |
| 50 | $1,620 |
| 60 | $1,586 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,186 |
| $250 | $1,998 |
| $500 | $1,776 |
| $1,000 | $1,556 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,776 |
| 50/100 | $1,893 |
| 100/300 | $2,039 |
| 250/500 | $2,418 |
| 100 CSL | $1,951 |
| 300 CSL | $2,272 |
| 500 CSL | $2,506 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,392 |
| 20 | $6,352 |
| 30 | $3,844 |
| 40 | $3,776 |
| 50 | $3,598 |
| 60 | $3,560 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $92 |
| Multi-vehicle | $89 |
| Homeowner | $27 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $73 |
| Advance Quote | $81 |
| Online Quote | $123 |
| Total Discounts | $714 |
Discounts are estimated and may not be available from every company or in every state.
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