BMW 2 Series Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW 2 Series Gran Coupe are $1,776 a year with full coverage. Comprehensive insurance costs an estimated $412, collision insurance costs $542, and liability is $584. Liability-only coverage costs around $678 a year, and high-risk coverage costs $3,776 or more. Teens receive the highest rates at up to $6,624 a year.
Average premium for full coverage: $1,776
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different 2 Series Gran Coupe trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $678 for just liability insurance to a much higher rate of $3,776 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of 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.
More Rate Details
The chart below details average BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,062
- Raising to $1,000 deductibles will save approximately $220 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,776
- Selecting more expensive low deductibles will cost an additional $410 every year
- At-risk drivers with serious driving violations could pay up to $3,776
- The cost that insures a teen driver with full coverage can cost as much as $6,624
Car insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $2,000 to $2,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 126% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $6,600 a year. View Rates by Age
Where you live also has a big influence on BMW 2 Series Gran Coupe insurance prices. A middle-age driver might find rates as low as $1,280 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,390 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $630 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $525 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find Cheaper BMW 2 Series Gran Coupe Insurance
Saving money on car insurance consists of having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a condensed summary of the car insurance concepts covered above.
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $2,000 more annually than a driver with a clean driving record
- You may be able to save approximately $200 per year just by shopping early and online
- Increasing deductibles can save approximately $625 each year
- Policyholders who want additional liability coverage will pay approximately $640 every year to raise from a minimum limit to the 250/500 level
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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