BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a BMW 2 Series Gran Coupe are $1,768 a year with full coverage. Comprehensive costs an estimated $382 a year, collision costs $524, and liability costs $624. Buying just liability costs as little as $710 a year, with insurance for high-risk drivers costing around $3,778. Teen drivers cost the most to insure at $6,696 a year or more.
Average premium for full coverage: $1,768
Policy rates broken down by type of insurance:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 2 Series Gran Coupe trim levels.
Price Range Variability
For the average 40-year-old driver, BMW 2 Series Gran Coupe insurance rates go from as low as $710 for minimum levels of liability insurance to a high of $3,778 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, 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 details estimated BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,055
- Drivers who choose higher $1,000 deductibles will pay approximately $1,560 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,768
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,158
- Drivers with multiple violations and an at-fault accident could pay up to $3,778 or more
- Policy cost for full coverage for a 16-year-old driver can cost as much as $6,696 a year
Insurance rates for a BMW 2 Series Gran Coupe also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $6,600 a year. View Rates by Age
Your home state makes a big difference in BMW 2 Series Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
Choosing high deductibles could save up to $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $561 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,000 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 126% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 Find More Affordable BMW 2 Series Gran Coupe Insurance
Finding cheaper rates on insurance for a BMW 2 Series Gran Coupe not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,010 more annually for auto insurance
- You may be able to save approximately $200 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $600 each year
- Insureds who want higher levels of liability will pay about $690 every year to go from a 30/60 limit to 250/500 limits
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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