BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months for full coverage. Comprehensive costs approximately $394 each year, collision costs $536, and liability costs $598. A policy with just liability insurance costs as little as $688 a year, with coverage for high-risk drivers costing around $3,770. Teenage drivers pay the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Price estimates by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, 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 middle-aged driver as an example, BMW 2 Series Gran Coupe insurance prices go from the cheapest price of $688 for a discount liability-only rate to a high rate of $3,770 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance prices.
The ranges above show why all drivers should compare rates using their specific location and their own driving history, instead of using average rates.
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 and risk scenarios.
- The best discount rate is $1,055
- Drivers who choose higher $1,000 deductibles will pay $212 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,766
- Using low deductibles for comprehensive and collision insurance increases the price to $2,170
- Higher-risk drivers who are prone to accidents and violations could pay around $3,770 or more
- The price to insure a teen driver can cost $6,644 a year
Insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on deductibles and policy limits, your driver profile, and the model of your 2 Series Gran Coupe.
Using high physical damage deductibles could save up to $620 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $6,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates
The state you live in 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 be forced to pay 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite 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 the Best Cheap BMW 2 Series Gran Coupe Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick review of the data that was touched on in the above illustrations.
- Drivers can save around $200 per year simply by quoting online in advance
- Policyholders who purchase more liability coverage will pay an extra $660 each year to go from a low limit to a 250/500 level
- Teen drivers are expensive to insure, with premiums as much as $554 a month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation may pay on average $2,000 more per year to insure their 2 Series Gran Coupe
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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