BMW 2 Series Gran Coupe Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW 2 Series Gran Coupe are $1,768 annually with full coverage. Comprehensive costs an estimated $382, collision insurance costs $524, and liability is $624. A liability-only policy costs around $710 a year, and high-risk insurance costs around $3,778. Teens receive the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,768
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all 2 Series Gran Coupe models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $710 for basic liability insurance to the much higher price of $3,778 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.
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.
Rate Comparisons
The chart below details average BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,055
- Raising to $1,000 deductibles will save approximately $208 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,768
- Selecting pricier low deductibles will cost $2,158
- At-risk drivers with serious driving violations could pay up to $3,778
- The cost with full coverage for a teen driver for full coverage can cost as much as $6,696
Insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on the trim level of your 2 Series Gran Coupe, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $2,000 to $2,800 extra per year, depending on your age. BMW 2 Series Gran Coupe insurance for high-risk drivers is expensive and can cost as much as 42% to 126% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $561 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on BMW 2 Series Gran Coupe insurance prices. A middle-age driver might find rates as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,380 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,598 | -$170 | -9.6% |
| Alaska | $1,354 | -$414 | -23.4% |
| Arizona | $1,464 | -$304 | -17.2% |
| Arkansas | $1,768 | -$0 | 0.0% |
| California | $2,014 | $246 | 13.9% |
| Colorado | $1,688 | -$80 | -4.5% |
| Connecticut | $1,816 | $48 | 2.7% |
| Delaware | $2,000 | $232 | 13.1% |
| Florida | $2,208 | $440 | 24.9% |
| Georgia | $1,632 | -$136 | -7.7% |
| Hawaii | $1,268 | -$500 | -28.3% |
| Idaho | $1,196 | -$572 | -32.4% |
| Illinois | $1,318 | -$450 | -25.5% |
| Indiana | $1,332 | -$436 | -24.7% |
| Iowa | $1,196 | -$572 | -32.4% |
| Kansas | $1,678 | -$90 | -5.1% |
| Kentucky | $2,410 | $642 | 36.3% |
| Louisiana | $2,618 | $850 | 48.1% |
| Maine | $1,092 | -$676 | -38.2% |
| Maryland | $1,458 | -$310 | -17.5% |
| Massachusetts | $1,410 | -$358 | -20.2% |
| Michigan | $3,068 | $1,300 | 73.5% |
| Minnesota | $1,478 | -$290 | -16.4% |
| Mississippi | $2,116 | $348 | 19.7% |
| Missouri | $1,568 | -$200 | -11.3% |
| Montana | $1,898 | $130 | 7.4% |
| Nebraska | $1,392 | -$376 | -21.3% |
| Nevada | $2,116 | $348 | 19.7% |
| New Hampshire | $1,272 | -$496 | -28.1% |
| New Jersey | $1,974 | $206 | 11.7% |
| New Mexico | $1,566 | -$202 | -11.4% |
| New York | $1,864 | $96 | 5.4% |
| North Carolina | $1,020 | -$748 | -42.3% |
| North Dakota | $1,444 | -$324 | -18.3% |
| Ohio | $1,218 | -$550 | -31.1% |
| Oklahoma | $1,812 | $44 | 2.5% |
| Oregon | $1,620 | -$148 | -8.4% |
| Pennsylvania | $1,688 | -$80 | -4.5% |
| Rhode Island | $2,356 | $588 | 33.3% |
| South Carolina | $1,602 | -$166 | -9.4% |
| South Dakota | $1,492 | -$276 | -15.6% |
| Tennessee | $1,546 | -$222 | -12.6% |
| Texas | $2,126 | $358 | 20.2% |
| Utah | $1,308 | -$460 | -26.0% |
| Vermont | $1,208 | -$560 | -31.7% |
| Virginia | $1,058 | -$710 | -40.2% |
| Washington | $1,364 | -$404 | -22.9% |
| West Virginia | $1,620 | -$148 | -8.4% |
| Wisconsin | $1,224 | -$544 | -30.8% |
| Wyoming | $1,574 | -$194 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW 2 Series Gran Coupe | $394 | $536 | $598 | $1,766 |
| 2023 BMW 2 Series Gran Coupe | $382 | $524 | $624 | $1,768 |
| 2022 BMW 2 Series Gran Coupe | $368 | $502 | $644 | $1,752 |
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 Best BMW 2 Series Gran Coupe Insurance
Saving money on car insurance consists of having a good driving record, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief recap of the data that was touched on in this article.
- You may be able to save approximately $200 per year just by quoting online well ahead of the renewal date
- Policyholders who want increased levels of liability coverage will pay approximately $690 every year to raise from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are charged the highest rates, with premiums as much as $558 per month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations pay on average $2,010 more annually to buy BMW 2 Series Gran Coupe insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,696 |
| 20 | $4,010 |
| 30 | $1,826 |
| 40 | $1,768 |
| 50 | $1,614 |
| 60 | $1,582 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,158 |
| $250 | $1,980 |
| $500 | $1,768 |
| $1,000 | $1,560 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,768 |
| 50/100 | $1,893 |
| 100/300 | $2,049 |
| 250/500 | $2,454 |
| 100 CSL | $1,955 |
| 300 CSL | $2,298 |
| 500 CSL | $2,548 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,492 |
| 20 | $6,368 |
| 30 | $3,840 |
| 40 | $3,778 |
| 50 | $3,600 |
| 60 | $3,564 |
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 | $90 |
| Homeowner | $28 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $72 |
| Advance Quote | $81 |
| Online Quote | $122 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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