BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW 2 Series Gran Coupe are $1,776 annually with full coverage. Comprehensive costs an estimated $412 each year, collision costs $542, and liability coverage costs $584. A liability-only policy costs as little as $678 a year, with high-risk insurance costing around $3,776. 16-year-old drivers receive the highest rates at $6,624 a year or more.
Average premium for full coverage: $1,776
Rate estimates broken down by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and 2 Series Gran Coupe models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $678 for just liability coverage to a high rate of $3,776 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The graphic below illustrates how location impacts insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below details estimated BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The best full coverage rate is $1,062
- Drivers who choose higher $1,000 deductibles will pay approximately $220 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,776
- Buying low deductibles for comprehensive and collision insurance will cost $2,186
- High-risk insureds with multiple tickets or accidents could pay up to $3,776 or more
- The cost with full coverage for a teenage driver can cost as much as $6,624 a year
Insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on the trim level of your 2 Series Gran Coupe, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $2,000 to $2,800 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 126% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $630 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $525 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in BMW 2 Series Gran Coupe insurance rates. A 40-year-old driver could pay as low as $1,280 a year in states like Utah, Ohio, and New Hampshire, or at least $2,390 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,604 | -$172 | -9.7% |
| Alaska | $1,360 | -$416 | -23.4% |
| Arizona | $1,472 | -$304 | -17.1% |
| Arkansas | $1,776 | -$0 | 0.0% |
| California | $2,022 | $246 | 13.9% |
| Colorado | $1,694 | -$82 | -4.6% |
| Connecticut | $1,822 | $46 | 2.6% |
| Delaware | $2,010 | $234 | 13.2% |
| Florida | $2,218 | $442 | 24.9% |
| Georgia | $1,640 | -$136 | -7.7% |
| Hawaii | $1,274 | -$502 | -28.3% |
| Idaho | $1,202 | -$574 | -32.3% |
| Illinois | $1,324 | -$452 | -25.5% |
| Indiana | $1,338 | -$438 | -24.7% |
| Iowa | $1,200 | -$576 | -32.4% |
| Kansas | $1,686 | -$90 | -5.1% |
| Kentucky | $2,420 | $644 | 36.3% |
| Louisiana | $2,630 | $854 | 48.1% |
| Maine | $1,096 | -$680 | -38.3% |
| Maryland | $1,464 | -$312 | -17.6% |
| Massachusetts | $1,418 | -$358 | -20.2% |
| Michigan | $3,082 | $1,306 | 73.5% |
| Minnesota | $1,486 | -$290 | -16.3% |
| Mississippi | $2,124 | $348 | 19.6% |
| Missouri | $1,576 | -$200 | -11.3% |
| Montana | $1,908 | $132 | 7.4% |
| Nebraska | $1,398 | -$378 | -21.3% |
| Nevada | $2,126 | $350 | 19.7% |
| New Hampshire | $1,278 | -$498 | -28.0% |
| New Jersey | $1,984 | $208 | 11.7% |
| New Mexico | $1,574 | -$202 | -11.4% |
| New York | $1,870 | $94 | 5.3% |
| North Carolina | $1,022 | -$754 | -42.5% |
| North Dakota | $1,450 | -$326 | -18.4% |
| Ohio | $1,226 | -$550 | -31.0% |
| Oklahoma | $1,822 | $46 | 2.6% |
| Oregon | $1,626 | -$150 | -8.4% |
| Pennsylvania | $1,694 | -$82 | -4.6% |
| Rhode Island | $2,368 | $592 | 33.3% |
| South Carolina | $1,608 | -$168 | -9.5% |
| South Dakota | $1,498 | -$278 | -15.7% |
| Tennessee | $1,554 | -$222 | -12.5% |
| Texas | $2,138 | $362 | 20.4% |
| Utah | $1,312 | -$464 | -26.1% |
| Vermont | $1,214 | -$562 | -31.6% |
| Virginia | $1,062 | -$714 | -40.2% |
| Washington | $1,372 | -$404 | -22.7% |
| West Virginia | $1,626 | -$150 | -8.4% |
| Wisconsin | $1,228 | -$548 | -30.9% |
| Wyoming | $1,580 | -$196 | -11.0% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW 2 Series Gran Coupe | $432 | $562 | $558 | $1,790 |
| 2023 BMW 2 Series Gran Coupe | $412 | $542 | $584 | $1,776 |
| 2022 BMW 2 Series Gran Coupe | $394 | $536 | $598 | $1,766 |
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 the Best Cheap BMW 2 Series Gran Coupe Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a quick review of the information touched on above.
- You may be able to save approximately $200 per year simply by quoting online in advance
- Teenagers are charged the highest rates, with premiums as much as $552 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $625 each year
- Drivers with a DUI or reckless driving violation pay on average $2,000 more annually for car insurance
- Consumers who want higher liability limits will pay around $640 every year to go from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,624 |
| 20 | $4,006 |
| 30 | $1,840 |
| 40 | $1,776 |
| 50 | $1,620 |
| 60 | $1,586 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,186 |
| $250 | $1,998 |
| $500 | $1,776 |
| $1,000 | $1,556 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,776 |
| 50/100 | $1,893 |
| 100/300 | $2,039 |
| 250/500 | $2,418 |
| 100 CSL | $1,951 |
| 300 CSL | $2,272 |
| 500 CSL | $2,506 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,392 |
| 20 | $6,352 |
| 30 | $3,844 |
| 40 | $3,776 |
| 50 | $3,598 |
| 60 | $3,560 |
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 | $118 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $73 |
| Advance Quote | $81 |
| Online Quote | $123 |
| Total Discounts | $714 |
Discounts are estimated and may not be available from every company or in every state.
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