BMW 2 Series Insurance Cost

Auto insurance for a BMW 2 Series will cost about $2,036 per year.

This beats the national average for luxury convertible models by $31. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW 2 Series. Visit our Competitive Quote Tool to see if you can find lower rates for a 2 Series.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These BMW 2 Series insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW 2 Series insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $6,897 $10,274 $12,144
18 $6,428 $9,574 $11,318
19 $5,681 $8,461 $10,002
20 $4,953 $7,378 $8,721
21 $4,154 $6,187 $7,314
22 $4,045 $6,026 $7,123
23 $3,540 $5,272 $6,232
24 $3,363 $5,009 $5,921
25 $2,902 $4,322 $5,110
30 $2,261 $3,367 $3,980
35 $2,117 $3,154 $3,728
40 $2,036 $3,033 $3,585
45 $1,981 $2,951 $3,489
55 $1,817 $2,707 $3,200
65 $1,896 $2,823 $3,338
75 $2,392 $3,564 $4,213

BMW 2 Series car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW 2 Series by state.

BMW 2 Series Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,158 $3,022 $3,782
Alaska $1,785 $2,599 $2,723
Arizona $2,017 $3,130 $4,462
Arkansas $2,212 $3,350 $3,748
California $2,463 $4,307 $2,463
Colorado $2,298 $3,182 $3,969
Connecticut $2,936 $4,540 $5,815
Delaware $2,431 $3,347 $4,443
Florida $2,894 $3,931 $5,125
Georgia $2,360 $3,637 $3,731
Hawaii $943 $1,301 $943
Idaho $1,638 $2,204 $2,744
Illinois $1,714 $2,534 $2,938
Indiana $1,761 $2,752 $3,211
Iowa $1,395 $2,092 $2,438
Kansas $1,856 $2,732 $3,236
Kentucky $2,682 $4,035 $4,746
Louisiana $3,444 $5,263 $5,666
Maine $1,302 $1,747 $2,549
Maryland $2,107 $3,090 $3,649
Massachusetts $1,690 $2,858 $1,690
Michigan $4,078 $6,131 $9,426
Minnesota $1,679 $2,255 $3,338
Mississippi $2,026 $3,061 $3,233
Missouri $1,909 $2,630 $3,401
Montana $1,941 $3,038 $3,350
Nebraska $1,641 $2,323 $2,643
Nevada $2,707 $4,086 $4,482
New Hampshire $1,883 $3,035 $3,864
New Jersey $2,074 $3,271 $4,219
New Mexico $2,118 $3,048 $3,423
New York $1,962 $2,555 $4,125
North Carolina $1,216 $1,964 $1,513
North Dakota $1,665 $2,562 $3,253
Ohio $1,484 $2,427 $2,515
Oklahoma $2,370 $3,559 $4,036
Oregon $2,157 $3,258 $3,737
Pennsylvania $1,817 $2,747 $3,153
Rhode Island $3,033 $4,654 $5,323
South Carolina $2,060 $2,981 $4,254
South Dakota $1,848 $2,543 $3,051
Tennessee $2,173 $3,251 $4,102
Texas $2,189 $3,222 $4,044
Utah $1,862 $2,692 $3,713
Vermont $1,433 $2,292 $2,505
Virginia $1,350 $2,033 $2,160
Washington $1,787 $2,685 $3,166
West Virginia $1,799 $2,619 $3,234
Wisconsin $1,793 $2,617 $3,179
Wyoming $1,674 $2,460 $2,750

Other Important Costs of Owning a BMW 2 Series

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW 2 Series depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

Already decided on buying a BMW 2 Series? We have millions of new and used vehicles listed. Here are some BMW models for sale in your area.

Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.