BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a BMW 2 Series Gran Coupe are $1,776 every 12 months with full coverage. Comprehensive costs around $412 each year, collision costs $542, and liability coverage costs around $584. Buying just liability costs as low as $678 a year, with insurance for high-risk drivers costing around $3,776. 16-year-old drivers receive the highest rates at $6,624 a year or more.
Average premium for full coverage: $1,776
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and 2 Series Gran Coupe models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $678 for just the minimum liability insurance to a high rate of $3,776 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using rate 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.
Additional Rate Analysis
The chart below details estimated BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,062
- Using higher $1,000 deductibles will save about $220 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,776
- Buying low deductibles for physical damage coverage increases the price to $2,186
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,776 or more
- The cost to insure a teenage driver can be $6,624 or more
Auto insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $630 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $525 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $6,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,000 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 42% to 126% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on BMW 2 Series Gran Coupe insurance rates. A driver around age 40 might see rates as low as $1,280 a year in states like New Hampshire, Ohio, and Utah, or at least $2,390 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for More Affordable BMW 2 Series Gran Coupe Insurance
Saving money on auto insurance requires being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a summary of the information illustrated above.
- You may be able to save up to $200 per year simply by quoting online in advance
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $552 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $625 each year
- Drivers who have multiple accidents or major violations pay on average $2,000 more every year than a safer driver
- Consumers who may need an increased level of liability coverage will pay around $640 every year to increase from a minimum limit to a 250/500 level
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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