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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The average auto insurance rates for a BMW 2 Series Gran Coupe are $1,768 annually for full coverage. Comprehensive insurance costs around $382, collision costs $524, and liability costs $624. Liability-only insurance costs as little as $710 a year, with high-risk driver insurance costing $3,778 or more. Teen drivers cost the most to insure at $6,696 a year or more.
Average premium for full coverage: $1,768
Policy rates for type of insurance:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different 2 Series Gran Coupe trim levels.
Price Range Variability
For a driver around age 40, BMW 2 Series Gran Coupe insurance rates go from as cheap as $710 for just liability coverage to a much higher rate of $3,778 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below shows estimated BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,055
- Drivers who choose higher $1,000 deductibles will pay about $208 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,768
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $390 annually
- Drivers with multiple violations and an at-fault accident could pay at least $3,778 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $6,696 a year
Auto insurance rates for a BMW 2 Series Gran Coupe also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $6,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,000 to $2,800 in extra premium every year, depending on your age. High-risk driver insurance can cost from 42% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $600 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $561 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in BMW 2 Series Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or as much as $2,520 on average in Michigan, Louisiana, 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% |
Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied 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 Low Cost BMW 2 Series Gran Coupe Insurance
Finding cheaper rates on insurance for a BMW 2 Series Gran Coupe not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a review of the information covered above.
- Drivers can save up to $200 per year simply by shopping early and online
- Teen drivers are expensive to insure, costing up to $558 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Drivers considered higher risk who have several accidents or serious violations pay an average of $2,010 more every year to insure their 2 Series Gran Coupe
- Insureds who may need more liability coverage will pay about $690 each year to go from a 30/60 limit to higher 250/500 limits
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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