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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW 2 Series Gran Coupe are $1,768 a year with full coverage. Comprehensive insurance costs an estimated $382, collision costs $524, and liability insurance costs $624. Buying just liability costs as little as $710 a year, with insurance for high-risk drivers costing $3,778 or more. Teens pay the highest rates at $6,696 a year or more.
Average premium for full coverage: $1,768
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different 2 Series Gran Coupe trim levels.
Price Range from Low to High
For a 40-year-old driver, BMW 2 Series Gran Coupe insurance prices go from as low as $710 for basic liability insurance to a much higher rate of $3,778 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on 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 estimated BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,055
- Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,768
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $390 a year
- High risk drivers with serious driving violations could pay up to $3,778 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $6,696 a year
Insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $6,600 a year. View Rates by Age
The state you live in makes a big difference in BMW 2 Series Gran Coupe insurance rates. A 40-year-old driver could pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $561 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $2,000 to $2,800 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 126% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, and prices may be quite different 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 Cheap BMW 2 Series Gran Coupe Insurance
Getting lower rates on BMW 2 Series Gran Coupe insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a brief summary of the data illustrated above.
- Drivers who want increased liability limits will pay approximately $690 every year to go from a low limit to 250/500 limits
- You may be able to save approximately $200 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $600 each year
- Drivers under the age of 20 are expensive to insure, costing up to $558 a month including comprehensive and collision 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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