BMW 2 Series Gran Coupe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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 auto insurance rates for a BMW 2 Series Gran Coupe are $1,766 annually for full coverage insurance. Comprehensive costs approximately $394, collision costs $536, and liability costs around $598. Liability-only insurance costs as low as $688 a year, with high-risk driver insurance costing around $3,770. Teen drivers pay the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all 2 Series Gran Coupe models.
Price Range from Low to High
For the average driver, BMW 2 Series Gran Coupe insurance prices go from as cheap as $688 for just liability coverage to the much higher price of $3,770 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
The ranges above illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below illustrates estimated BMW 2 Series Gran Coupe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,055
- Using higher $1,000 deductibles will save $212 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,766
- Choosing pricier low deductibles for physical damage coverage will cost $2,170
- Drivers with multiple violations and an at-fault accident could pay around $3,770 or more
- The price with full coverage for a teen driver for full coverage can cost $6,644 or more
Car insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,800 extra each year, depending on your age. BMW 2 Series Gran Coupe insurance for high-risk drivers can be as much as 42% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $620 every year, whereas buying more liability protection will push prices upward. Switching 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 has a huge impact on BMW 2 Series Gran Coupe insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,380 on average in Florida, New York, 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 figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, 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 Cheaper BMW 2 Series Gran Coupe Insurance
Getting lower rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a condensed summary of the information touched on above.
- It is possible to save around $200 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $554 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $625 each year
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $2,000 more per year to buy BMW 2 Series Gran Coupe insurance
- Policyholders who purchase increased levels of liability coverage will pay about $660 annually to increase 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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