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 insurance prices for a BMW 2 Series Gran Coupe are $1,768 every 12 months with full coverage. Comprehensive insurance costs around $382 a year, collision insurance costs $524, and liability insurance is $624. A liability-only policy costs around $710 a year, and high-risk insurance costs $3,778 or more. Teenage drivers receive the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,768
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and 2 Series Gran Coupe trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $710 for just liability insurance to a high of $3,778 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.
These examples demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.
More Rate Details
The chart below details average BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,055
- Raising to $1,000 deductibles will save about $1,560 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,768
- Using low $100 deductibles costs an extra $390 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,778
- The cost to insure a teen driver can be $6,696
Insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $600 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $561 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $6,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,000 to $2,800 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 126% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on BMW 2 Series Gran Coupe insurance rates. A middle-age driver might find rates as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,380 on average in Florida, Michigan, and New York.
| 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 Shop for Affordable BMW 2 Series Gran Coupe Insurance
Saving money on BMW 2 Series Gran Coupe insurance consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the concepts that were covered in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions pay on average $2,010 more every year than a low-risk driver
- Youthful drivers pay higher rates, with premiums as much as $558 per month if they have full coverage
- You may be able to save up to $200 per year just by quoting early and online
- Increasing deductibles could save as much as $600 each year
- You may be able to save up to $200 per year just by quoting early and online
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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