BMW 2 Series Gran Coupe Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW 2 Series Gran Coupe are $1,766 annually for full coverage. Comprehensive insurance costs around $394 each year, collision costs $536, and liability coverage is $598. Liability-only insurance costs around $688 a year, with high-risk driver insurance costing $3,770 or more. 16-year-old drivers pay the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Price estimates for individual coverage:
Prices include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and 2 Series Gran Coupe models.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW 2 Series Gran Coupe insurance prices go from as cheap as $688 for a discount liability-only rate to a high rate of $3,770 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows estimated BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,055
- Raising to $1,000 deductibles will save about $212 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,766
- Buying low deductibles costs an additional $404 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,770 or more
- The price with full coverage for a teenage driver can be $6,644
Car insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $620 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on BMW 2 Series Gran Coupe insurance rates. A middle-age driver might find prices as low as $1,170 a year in states like Idaho, Maine, and Iowa, or at least $2,520 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.
| 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 Buy the Right BMW 2 Series Gran Coupe Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick rundown of the car insurance concepts raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions pay an average of $2,000 more every year for 2 Series Gran Coupe insurance
- Drivers can save up to $200 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $625 each year
- Consumers who may need higher liability limits will pay around $660 each year to raise from a low limit to higher 250/500 limits
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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