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 insurance rates for a BMW 2 Series Gran Coupe are $1,766 a year including full coverage. Comprehensive costs on average $394, collision insurance costs $536, and liability insurance costs around $598. A liability-only policy costs as low as $688 a year, and high-risk insurance costs around $3,770. Teenage drivers cost the most to insure at up to $6,644 a year.
Average premium for full coverage: $1,766
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 2 Series Gran Coupe models.
Price Range Variability
For an average driver, BMW 2 Series Gran Coupe insurance rates range from as low as $688 for just liability coverage to the much higher price of $3,770 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and risk profile, 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.
Detailed Rate Analysis
The chart below breaks down average BMW 2 Series Gran Coupe insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,055
- Using higher $1,000 deductibles will save around $212 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,766
- Using pricier low deductibles for physical damage coverage will increase the cost to $2,170
- Drivers who are prone to accidents and violations could pay upwards of $3,770
- Policy cost for full coverage for a teen driver for full coverage may cost $6,644 or more
Car insurance rates for a BMW 2 Series Gran Coupe also range considerably based on your risk profile, the model of your 2 Series Gran Coupe, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $6,600 a year. View Rates by Age
Your home state has a huge impact on BMW 2 Series Gran Coupe insurance rates. A driver around age 40 might see rates as low as $1,350 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,520 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could cut rates by as much as $620 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $2,000 to $2,800 extra every year, depending on your age. BMW 2 Series Gran Coupe insurance for high-risk drivers can be anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates
| 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 Find More Affordable BMW 2 Series Gran Coupe Insurance
Finding cheaper rates on BMW 2 Series Gran Coupe insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a summary of the material that was covered in the above illustrations.
- Drivers who require higher levels of liability will pay an extra $660 per year to increase from a 30/60 limit to 250/500 limits
- Teenage drivers are expensive to insure, with premiums being up to $554 each month if full coverage is included
- High-risk drivers who have multiple accidents or major violations may pay on average $2,000 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $625 each year
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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