BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW 2 Series Gran Coupe are $1,766 annually for full coverage. Comprehensive insurance costs on average $394 a year, collision costs $536, and liability coverage is $598. Liability-only insurance costs around $688 a year, with high-risk driver insurance costing $3,770 or more. Teen drivers pay the highest rates at $6,644 a year or more.
Average premium for full coverage: $1,766
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and 2 Series Gran Coupe trim levels.
Price Range from Low to High
For an average driver, BMW 2 Series Gran Coupe insurance prices go from as cheap as $688 for just liability coverage to a high of $3,770 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have fewer accident claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using price 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 estimated BMW 2 Series Gran Coupe insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,055
- Raising to $1,000 deductibles will save around $1,554 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,766
- Choosing low $100 deductibles costs an additional $404 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,770 or more
- The price with full coverage for a teenage driver may cost $6,644
Car insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,000 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $620 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on BMW 2 Series Gran Coupe insurance rates. A middle-age driver might find prices as low as $1,170 a year in states like Idaho, Maine, and Iowa, or as much as $2,520 on average in Michigan, Louisiana, and New York.
| 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 exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
| 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 Buy Affordable BMW 2 Series Gran Coupe Insurance
Getting lower rates on auto insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a brief review of the coverage data covered in the above illustrations.
- Drivers can save as much as $200 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $625 each year
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $554 a month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $2,000 more each year than a safer driver
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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