BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months for full coverage. Comprehensive costs an estimated $394 a year, collision costs $536, and liability insurance is estimated at $598. Liability-only insurance costs approximately $688 a year, with high-risk driver insurance costing around $3,770. Teenage drivers cost the most to insure at $6,644 a year or more.
Average premium for full coverage: $1,766
Policy rates broken down by type of insurance:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and 2 Series Gran Coupe trim levels.
Price Range Variability
For the normal driver, BMW 2 Series Gran Coupe insurance rates go from the cheapest price of $688 for liability-only coverage to a high of $3,770 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
The examples above show why it is important to get quotes for a targeted area and their own driving history, 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.
Additional Charts and Tables
The chart below shows estimated BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,055
- Choosing higher $1,000 deductibles can save approximately $1,554 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,766
- Using low $100 deductibles for comp and collision coverage increases the price to $2,170
- High-risk insureds who are prone to accidents and violations could pay up to $3,770 or more
- Policy cost to insure a teen driver can cost as much as $6,644 each year
Auto insurance rates for a BMW 2 Series Gran Coupe also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Using high physical damage deductibles can save as much as $620 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $538 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $6,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for BMW 2 Series Gran Coupe insurance rates. A good driver about age 40 could pay as low as $1,170 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,520 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.
| 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 Low Cost BMW 2 Series Gran Coupe Insurance
Finding cheaper rates on BMW 2 Series Gran Coupe insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.
The following items are a review of the information presented in the illustrations above.
- Drivers can save approximately $200 per year simply by quoting early and online
- 16 to 18-year-old drivers are the costliest to insure, costing up to $554 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $625 each year
- High-risk drivers who have several accidents or serious violations pay on average $2,000 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay an extra $660 each year to raise limits from a 30/60 limit to a 250/500 level
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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