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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Estimated auto insurance rates for a BMW 2 Series Gran Coupe are $1,768 annually for full coverage insurance. Comprehensive insurance costs an estimated $382 each year, collision costs $524, and liability insurance is $624. Liability-only coverage costs around $710 a year, with high-risk coverage costing $3,778 or more. Teenage drivers pay the most at $6,696 a year or more.
Average premium for full coverage: $1,768
Premium estimates broken down by type of coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and 2 Series Gran Coupe models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a BMW 2 Series Gran Coupe go from as cheap as $710 for a discount liability-only rate to a high rate of $3,778 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The graphic below illustrates how location helps determine insurance prices.
These rate differences illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below illustrates estimated BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,055
- Raising to $1,000 deductibles will save approximately $208 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,768
- Using low deductibles costs an additional $390 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,778 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $6,696
Insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on the model of your 2 Series Gran Coupe, your risk profile, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $2,000 to $2,800 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 126% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $600 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $561 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on BMW 2 Series Gran Coupe insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.
| 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 Buy Cheaper BMW 2 Series Gran Coupe Insurance
Finding better rates on BMW 2 Series Gran Coupe insurance consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a condensed summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save approximately $200 per year simply by quoting online in advance
- High-risk drivers with multiple at-fault accidents may pay on average $2,010 more annually to insure a BMW 2 Series Gran Coupe
- Increasing policy deductibles could save up to $600 each year
- Drivers under the age of 20 are charged the highest prices, with premiums being up to $558 per 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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