BMW 2 Series Gran Coupe Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $394
Collision $536
Liability $598

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.

Liability Only $688
Full Coverage $1,766
High Risk $3,770

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.

Rural Areas $1,325
Small Cities $1,854
Large Cities $2,384

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

View Chart as Image

BMW 2 Series Gran Coupe insurance cost comparison chart
Column chart showing full coverage BMW 2 Series Gran Coupe insurance rates range from $1,055 to $6,644

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.

BMW 2 Series Gran Coupe Insurance Rates by State
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%

View Chart as Image

BMW 2 Series Gran Coupe insurance rates by U.S. city

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.

BMW 2 Series Gran Coupe Insurance Rates by Model Year
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

Rates by Driver Age

BMW 2 Series Gran Coupe Insurance 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

BMW 2 Series Gran Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,170
$250 $1,988
$500 $1,766
$1,000 $1,554

Full coverage, driver age 40

Rates by Liability Limit

BMW 2 Series Gran Coupe Insurance Rates with Different Liability Limits
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

BMW 2 Series Gran Coupe Insurance 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.

SR-22 Surcharge $232

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
Rate after discounts $1,055

Discounts are estimated and may not be available from every company or in every state.

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