BMW 2 Series Gran Coupe Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW 2 Series Gran Coupe are $1,766 a year for full coverage. Comprehensive insurance costs an estimated $394, collision insurance costs $536, and liability is estimated at $598. Buying just liability costs approximately $688 a year, and insurance for high-risk drivers costs $3,770 or more. Teen drivers receive the highest rates at up to $6,644 a year.
Average premium for full coverage: $1,766
Rate estimates broken down by individual coverage type:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different 2 Series Gran Coupe trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $688 for basic liability insurance to a much higher rate of $3,770 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area, 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.
Rate Comparisons
The chart below shows average BMW 2 Series Gran Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,055
- Choosing higher $1,000 deductibles can save approximately $212 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,766
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $404 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,770
- The cost that insures a teen driver with full coverage can cost as much as $6,644 each year
Auto insurance rates for a BMW 2 Series Gran Coupe can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $2,000 to $2,800 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 42% to 127% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $6,600 a year. View Rates by Age
Where you live plays a big part in determining prices for BMW 2 Series Gran Coupe insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Iowa, Maine, and Idaho, or as much as $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% |
Choosing high deductibles can save as much as $620 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
| 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 Find Cheap BMW 2 Series Gran Coupe Insurance
Saving money on car insurance takes having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Shop around every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the information touched on in this article.
- Drivers can save approximately $200 per year just by shopping early and online
- Drivers age 20 and younger are the costliest to insure, costing as high as $554 per month if the policy includes full coverage
- Increasing deductibles can save approximately $625 each year
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,000 more annually to buy BMW 2 Series Gran Coupe insurance
- Policyholders who want increased levels of liability coverage will pay about $660 each year to raise limits from a minimum limit to the 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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