BMW 2 Series Gran Coupe Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months with full coverage. Comprehensive costs an estimated $394 each year, collision insurance costs $536, and liability is $598. Liability-only insurance costs around $688 a year, and high-risk driver insurance costs around $3,770. Teen drivers pay the most at up to $6,644 a year.
Average premium for full coverage: $1,766
Premium estimates broken down by type of coverage:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and 2 Series Gran Coupe models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW 2 Series Gran Coupe range from the cheapest price of $688 for minimum levels of liability insurance to a high rate of $3,770 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below details average BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,055
- Raising to $1,000 deductibles will save approximately $212 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,766
- Choosing low deductibles increases the price to $2,170
- Drivers with multiple violations and an at-fault accident could pay up to $3,770
- An auto insurance policy to insure a 16-year-old driver can cost as much as $6,644
Insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $620 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $538 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher 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, since even excellent drivers should be prepared to pay at least $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $2,000 to $2,800 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 127% more than average. View High Risk Driver Rates
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 $1,270 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,380 on average in New York, Michigan, and Florida.
| 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% |
| 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
Finding better rates on insurance for a BMW 2 Series Gran Coupe consists of having a good driving record, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $200 per year just by quoting online in advance
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,000 more annually to buy BMW 2 Series Gran Coupe insurance
- Increasing policy deductibles could save as much as $625 each year
- Drivers age 20 and younger are expensive to insure, possibly costing $554 per month if full coverage is included
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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