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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Average insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months for full coverage insurance. Comprehensive costs approximately $394 each year, collision costs $536, and liability costs around $598. Buying just liability costs as low as $688 a year, with insurance for high-risk drivers costing around $3,770. Teenage drivers receive the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and 2 Series Gran Coupe models.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $688 for your basic liability-only policy to a high rate of $3,770 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why all drivers should compare prices using their specific location and their own driving history, instead of using 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 Information
The chart below illustrates estimated BMW 2 Series Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,055
- Using higher $1,000 deductibles will save $212 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,766
- Using low deductibles for physical damage coverage increases the price to $2,170
- Drivers who are prone to accidents and violations could pay around $3,770 or more
- The cost to insure a teen driver can cost $6,644 or more
Auto insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your 2 Series Gran Coupe.
Using high physical damage deductibles could cut rates by as much as $620 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $6,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,000 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 127% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on BMW 2 Series Gran Coupe insurance prices. A driver around age 40 might see rates as low as $1,150 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 | $1,596 | -$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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
| 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 Shop for the Best Cheap BMW 2 Series Gran Coupe Insurance
Saving money on car insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below you'll find a quick review of the concepts that were covered in the above illustrations.
- Higher risk drivers with a DUI or reckless driving violation may have to pay on average $2,000 more per year than a low-risk driver
- Youthful drivers have the highest car insurance rates, costing up to $554 per month if comprehensive and collision insurance is included
- It is possible to save around $200 per year simply by quoting online in advance
- Increasing deductibles could save as much as $625 each year
- It is possible to save around $200 per year simply by quoting online in advance
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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