BMW 2 Series Gran Coupe Insurance Rates

The average insurance rates for a BMW 2 Series Gran Coupe are $1,766 a year for full coverage. Comprehensive costs on average $394 a year, collision insurance costs $536, and liability coverage costs around $598. Liability-only coverage costs as low as $688 a year, and high-risk coverage costs around $3,770. 16-year-old 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:

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and 2 Series Gran Coupe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare prices based on a specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average BMW 2 Series Gran Coupe insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $1,055
• Using higher $1,000 deductibles will save around $1,554 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,766
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,170
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,770
• Policy cost that insures a teenage driver may cost $6,644 or more

View Chart as Image

Insurance rates for a BMW 2 Series Gran Coupe also range considerably based on the trim level of your 2 Series Gran Coupe, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,000 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 127% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay 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 $1,170 a year in states like Idaho, Maine, and Iowa, or at least $2,520 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $620 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest BMW 2 Series Gran Coupe Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a recap of the coverage data illustrated above.

• Drivers can save as much as $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Drivers age 16 to 20 pay higher rates, costing up to $554 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $2,000 more each year than a safer driver