BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months for full coverage. Comprehensive insurance costs approximately $394, collision costs $536, and liability costs $598. A policy with only liability insurance costs as little as $688 a year, with a high-risk policy costing $3,770 or more. Teen drivers pay the most at $6,644 a year or more.
Average premium for full coverage: $1,766
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different 2 Series Gran Coupe trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW 2 Series Gran Coupe go from the cheapest price of $688 for minimum levels of liability insurance to a much higher rate of $3,770 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below shows estimated BMW 2 Series Gran Coupe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,055
- Drivers who choose higher $1,000 deductibles will pay $212 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,766
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $404 annually
- Drivers with multiple violations and an at-fault accident could pay around $3,770 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $6,644 a year
Car insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your 2 Series Gran Coupe.
Choosing high deductibles could save up to $620 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,800 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 127% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in BMW 2 Series Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Iowa, Maine, and Idaho, or as much as $2,520 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,596 | -$170 | -9.6% |
| Alaska | $1,354 | -$412 | -23.3% |
| Arizona | $1,466 | -$300 | -17.0% |
| Arkansas | $1,766 | -$0 | 0.0% |
| California | $2,016 | $250 | 14.2% |
| Colorado | $1,686 | -$80 | -4.5% |
| Connecticut | $1,816 | $50 | 2.8% |
| Delaware | $2,000 | $234 | 13.3% |
| Florida | $2,208 | $442 | 25.0% |
| Georgia | $1,632 | -$134 | -7.6% |
| Hawaii | $1,270 | -$496 | -28.1% |
| Idaho | $1,200 | -$566 | -32.0% |
| Illinois | $1,318 | -$448 | -25.4% |
| Indiana | $1,332 | -$434 | -24.6% |
| Iowa | $1,194 | -$572 | -32.4% |
| Kansas | $1,678 | -$88 | -5.0% |
| Kentucky | $2,410 | $644 | 36.5% |
| Louisiana | $2,618 | $852 | 48.2% |
| Maine | $1,092 | -$674 | -38.2% |
| Maryland | $1,458 | -$308 | -17.4% |
| Massachusetts | $1,412 | -$354 | -20.0% |
| Michigan | $3,066 | $1,300 | 73.6% |
| Minnesota | $1,480 | -$286 | -16.2% |
| Mississippi | $2,114 | $348 | 19.7% |
| Missouri | $1,568 | -$198 | -11.2% |
| Montana | $1,898 | $132 | 7.5% |
| Nebraska | $1,392 | -$374 | -21.2% |
| Nevada | $2,116 | $350 | 19.8% |
| New Hampshire | $1,270 | -$496 | -28.1% |
| New Jersey | $1,974 | $208 | 11.8% |
| New Mexico | $1,568 | -$198 | -11.2% |
| New York | $1,862 | $96 | 5.4% |
| North Carolina | $1,018 | -$748 | -42.4% |
| North Dakota | $1,446 | -$320 | -18.1% |
| Ohio | $1,218 | -$548 | -31.0% |
| Oklahoma | $1,812 | $46 | 2.6% |
| Oregon | $1,620 | -$146 | -8.3% |
| Pennsylvania | $1,686 | -$80 | -4.5% |
| Rhode Island | $2,358 | $592 | 33.5% |
| South Carolina | $1,602 | -$164 | -9.3% |
| South Dakota | $1,490 | -$276 | -15.6% |
| Tennessee | $1,548 | -$218 | -12.3% |
| Texas | $2,128 | $362 | 20.5% |
| Utah | $1,308 | -$458 | -25.9% |
| Vermont | $1,208 | -$558 | -31.6% |
| Virginia | $1,058 | -$708 | -40.1% |
| Washington | $1,364 | -$402 | -22.8% |
| West Virginia | $1,620 | -$146 | -8.3% |
| Wisconsin | $1,224 | -$542 | -30.7% |
| Wyoming | $1,574 | -$192 | -10.9% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW 2 Series Gran Coupe | $412 | $542 | $584 | $1,776 |
| 2023 BMW 2 Series Gran Coupe | $394 | $536 | $598 | $1,766 |
| 2022 BMW 2 Series Gran Coupe | $382 | $524 | $624 | $1,768 |
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
Finding better rates on insurance for a BMW 2 Series Gran Coupe not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following items are a summary of the data covered in the charts and tables above.
- Insureds who purchase additional liability coverage will pay about $660 each year to go from 30/60 bodily injury limits to a 250/500 level
- Drivers can save around $200 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $625 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, as much as $554 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,644 |
| 20 | $4,002 |
| 30 | $1,830 |
| 40 | $1,766 |
| 50 | $1,614 |
| 60 | $1,580 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,170 |
| $250 | $1,988 |
| $500 | $1,766 |
| $1,000 | $1,554 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,766 |
| 50/100 | $1,886 |
| 100/300 | $2,035 |
| 250/500 | $2,424 |
| 100 CSL | $1,945 |
| 300 CSL | $2,274 |
| 500 CSL | $2,514 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,420 |
| 20 | $6,348 |
| 30 | $3,834 |
| 40 | $3,770 |
| 50 | $3,592 |
| 60 | $3,556 |
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 | $117 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $73 |
| Advance Quote | $81 |
| Online Quote | $122 |
| Total Discounts | $711 |
Discounts are estimated and may not be available from every company or in every state.
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