BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a BMW 2 Series Gran Coupe are $1,776 annually for full coverage. Comprehensive costs around $412 a year, collision insurance costs $542, and liability insurance is estimated at $584. A policy with only liability insurance costs approximately $678 a year, and a high-risk policy costs around $3,776. 16-year-old drivers pay the most at up to $6,624 a year.
Average premium for full coverage: $1,776
Premium estimates for type of coverage:
Prices include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and 2 Series Gran Coupe trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a BMW 2 Series Gran Coupe range from as cheap as $678 for just liability coverage to a high of $3,776 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on 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 shows average BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,062
- Choosing higher $1,000 deductibles can save about $1,556 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,776
- Buying low $100 deductibles for comp and collision coverage will cost $2,186
- High-risk insureds with multiple tickets or accidents could pay at least $3,776
- An auto insurance policy with full coverage for a teen driver can be $6,624 each year
Car insurance prices for a BMW 2 Series Gran Coupe also have a wide range based on the model of your 2 Series Gran Coupe, your driver profile, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $6,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $2,000 to $2,800 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 126% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $630 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $525 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live 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 Idaho, Maine, and Iowa, or at least $2,530 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Right BMW 2 Series Gran Coupe Insurance
Finding better rates on BMW 2 Series Gran Coupe insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting quotes from direct carriers, and also from local independent and exclusive agents.
The following is a quick rundown of the material that was covered above.
- Drivers who may need higher liability limits will pay around $640 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Teens are the costliest to insure, as much as $552 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay an average of $2,000 more every year for 2 Series Gran Coupe insurance
- Increasing policy deductibles could save up to $625 each year
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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