BMW 2 Series Gran Coupe Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a BMW 2 Series Gran Coupe are $1,768 annually for full coverage insurance. Comprehensive insurance costs around $382, collision insurance costs $524, and liability costs around $624. A policy with just liability insurance costs as low as $710 a year, and coverage for high-risk drivers costs $3,778 or more. Teen drivers pay the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,768
Price estimates for individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all 2 Series Gran Coupe models.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW 2 Series Gran Coupe insurance prices range from as cheap as $710 for just liability coverage to the much higher price of $3,778 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of 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 illustrates average BMW 2 Series Gran Coupe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,055
- Using higher $1,000 deductibles will save about $208 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,768
- Choosing pricier low deductibles for physical damage coverage costs an additional $390 every year
- Drivers with multiple violations and an at-fault accident could pay at least $3,778
- The price with full coverage for a teen driver for full coverage can be $6,696 or more
Insurance prices for a BMW 2 Series Gran Coupe are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $2,000 to $2,800 extra each year, depending on your age. BMW 2 Series Gran Coupe insurance for high-risk drivers can be as much as 42% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $561 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on BMW 2 Series Gran Coupe insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,380 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,598 | -$170 | -9.6% |
| Alaska | $1,354 | -$414 | -23.4% |
| Arizona | $1,464 | -$304 | -17.2% |
| Arkansas | $1,768 | -$0 | 0.0% |
| California | $2,014 | $246 | 13.9% |
| Colorado | $1,688 | -$80 | -4.5% |
| Connecticut | $1,816 | $48 | 2.7% |
| Delaware | $2,000 | $232 | 13.1% |
| Florida | $2,208 | $440 | 24.9% |
| Georgia | $1,632 | -$136 | -7.7% |
| Hawaii | $1,268 | -$500 | -28.3% |
| Idaho | $1,196 | -$572 | -32.4% |
| Illinois | $1,318 | -$450 | -25.5% |
| Indiana | $1,332 | -$436 | -24.7% |
| Iowa | $1,196 | -$572 | -32.4% |
| Kansas | $1,678 | -$90 | -5.1% |
| Kentucky | $2,410 | $642 | 36.3% |
| Louisiana | $2,618 | $850 | 48.1% |
| Maine | $1,092 | -$676 | -38.2% |
| Maryland | $1,458 | -$310 | -17.5% |
| Massachusetts | $1,410 | -$358 | -20.2% |
| Michigan | $3,068 | $1,300 | 73.5% |
| Minnesota | $1,478 | -$290 | -16.4% |
| Mississippi | $2,116 | $348 | 19.7% |
| Missouri | $1,568 | -$200 | -11.3% |
| Montana | $1,898 | $130 | 7.4% |
| Nebraska | $1,392 | -$376 | -21.3% |
| Nevada | $2,116 | $348 | 19.7% |
| New Hampshire | $1,272 | -$496 | -28.1% |
| New Jersey | $1,974 | $206 | 11.7% |
| New Mexico | $1,566 | -$202 | -11.4% |
| New York | $1,864 | $96 | 5.4% |
| North Carolina | $1,020 | -$748 | -42.3% |
| North Dakota | $1,444 | -$324 | -18.3% |
| Ohio | $1,218 | -$550 | -31.1% |
| Oklahoma | $1,812 | $44 | 2.5% |
| Oregon | $1,620 | -$148 | -8.4% |
| Pennsylvania | $1,688 | -$80 | -4.5% |
| Rhode Island | $2,356 | $588 | 33.3% |
| South Carolina | $1,602 | -$166 | -9.4% |
| South Dakota | $1,492 | -$276 | -15.6% |
| Tennessee | $1,546 | -$222 | -12.6% |
| Texas | $2,126 | $358 | 20.2% |
| Utah | $1,308 | -$460 | -26.0% |
| Vermont | $1,208 | -$560 | -31.7% |
| Virginia | $1,058 | -$710 | -40.2% |
| Washington | $1,364 | -$404 | -22.9% |
| West Virginia | $1,620 | -$148 | -8.4% |
| Wisconsin | $1,224 | -$544 | -30.8% |
| Wyoming | $1,574 | -$194 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW 2 Series Gran Coupe | $394 | $536 | $598 | $1,766 |
| 2023 BMW 2 Series Gran Coupe | $382 | $524 | $624 | $1,768 |
| 2022 BMW 2 Series Gran Coupe | $368 | $502 | $644 | $1,752 |
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
Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the information raised in the charts and tables above.
- It is possible to save up to $200 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 pay higher prices, as much as $558 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $600 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,010 more every year to insure a BMW 2 Series Gran Coupe
- Policyholders who may need increased liability limits will pay about $690 annually to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,696 |
| 20 | $4,010 |
| 30 | $1,826 |
| 40 | $1,768 |
| 50 | $1,614 |
| 60 | $1,582 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,158 |
| $250 | $1,980 |
| $500 | $1,768 |
| $1,000 | $1,560 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,768 |
| 50/100 | $1,893 |
| 100/300 | $2,049 |
| 250/500 | $2,454 |
| 100 CSL | $1,955 |
| 300 CSL | $2,298 |
| 500 CSL | $2,548 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,492 |
| 20 | $6,368 |
| 30 | $3,840 |
| 40 | $3,778 |
| 50 | $3,600 |
| 60 | $3,564 |
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 | $90 |
| Homeowner | $28 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $72 |
| Advance Quote | $81 |
| Online Quote | $122 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
