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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Estimated insurance rates for a BMW 2 Series Gran Coupe are $1,768 a year for full coverage insurance. Comprehensive insurance costs an estimated $382 a year, collision insurance costs $524, and liability is $624. Liability-only insurance costs around $710 a year, and high-risk driver insurance costs $3,778 or more. 16-year-old drivers pay the most at up to $6,696 a year.
Average premium for full coverage: $1,768
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and 2 Series Gran Coupe trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a BMW 2 Series Gran Coupe range from as low as $710 for minimum levels of liability insurance to a high of $3,778 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate 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 illustrates average BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The best full coverage rate is $1,055
- Raising to $1,000 deductibles will save approximately $1,560 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,768
- Buying low $100 deductibles will cost an extra $390 annually
- Drivers with multiple tickets or accidents could pay up to $3,778
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $6,696
Insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $6,600 a year. View Rates by Age
Where you choose to live also has a big influence on BMW 2 Series Gran Coupe insurance prices. A middle-age driver might find prices as low as $1,160 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,380 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $600 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $561 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $2,000 to $2,800 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 126% more than the average rate. View High Risk Driver Rates
| 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 the Cheapest BMW 2 Series Gran Coupe Insurance
Finding better rates on insurance for a BMW 2 Series Gran Coupe consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a recap of the concepts that were covered in the above illustrations.
- Drivers considered higher risk that have major violations or accidents pay on average $2,010 more annually to insure a BMW 2 Series Gran Coupe
- Drivers under the age of 20 are expensive to insure, with premiums being up to $558 per month including comprehensive and collision insurance
- It is possible to save approximately $200 per year just by quoting early and online
- Increasing policy deductibles can save around $600 each year
- It is possible to save approximately $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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