BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a BMW 2 Series Gran Coupe are $1,766 every 12 months for full coverage. Comprehensive costs approximately $394, collision costs $536, and liability coverage costs around $598. Liability-only coverage costs as low as $688 a year, with high-risk coverage costing around $3,770. Teens pay the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different 2 Series Gran Coupe trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, BMW 2 Series Gran Coupe insurance prices go from the cheapest price of $688 for a discount liability-only rate to a much higher rate of $3,770 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below shows estimated BMW 2 Series Gran Coupe insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,055
- Using higher $1,000 deductibles will save $212 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,766
- Selecting more expensive low deductibles for physical damage coverage increases the price to $2,170
- Higher-risk drivers with serious driving violations could pay around $3,770 or more
- The price to insure a teenage driver with full coverage can cost $6,644 or more
Auto insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on deductibles and policy limits, your driver profile, and the model of your 2 Series Gran Coupe.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $620 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $6,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,800 in extra premium each year, depending on your age. High-risk driver insurance can be around 42% to 127% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on BMW 2 Series Gran Coupe insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different.
| 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 Shop for the Best Cheap BMW 2 Series Gran Coupe Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a quick review of the information touched on in the above illustrations.
- Drivers can save around $200 per year simply by shopping early and online
- Teenagers have the highest car insurance prices, with premiums as much as $554 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $625 each year
- Drivers with a DUI or reckless driving violation may pay on average $2,000 more per year for car insurance
- Consumers who purchase higher liability limits will pay approximately $660 each year to increase from a low 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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