Home  >  Brands  >  BMW 2 Series Insurance Cost

BMW 2 Series Insurance Cost


Lane Hanson

Get a Quote

Ready to save hundreds on your car insurance?

BMW 2 Series Insurance Cost

A BMW 2 Series insurance costs an average of $202,08 a month – or $2,424,96 per year. Your exact prices will nevertheless depend on your driving history, your car model, your location, and other considerations. An older model might nonetheless reduce your rates.

How to compare insurance for the BMW 2 Series

BMW 2 Series Insurance Cost - BMW Logo

Given the amount spent on monthly car payments, gas, maintenance bills, and other costs, it may be a bit shocking to pay for auto insurance. You cannot save money by evaluating your alternatives from multiple providers even if you can not avoid getting coverage. When selecting insurance, there are a few factors to consider. What to look for here:

  • Price. You must use the same information to obtain quotations from suppliers to compare rates correctly.
  • Deductible. Be aware that your monthly rates may likely be affected by your deductible. High deductible insurance often has cheaper prices than low deductible policies.
  • Minimum coverage. Almost every country has statutory minimum coverage standards, save New Hampshire and Virginia. Make sure your state minimum levels are reached before you buy a policy.
  • Additional coverage. Protection against personal harm and coverage of medical costs are two of the different kinds of coverage offered.
  • Extras. Free inclusion of certain policy benefits like accident forgiveness or roadside aid. Find out which extras are free of charge and which have to be paid for.
  • Restrictions. In case of a limitation that may lead to negated claims or coverage gaps, you should know before you buy an insurance.
  • Manufacturer offer or loyalty discounts. Find out whether BMW has any partnerships and you can obtain loyalty discounts or factory bids.
  • Warranty. Find out what your manufacturer covers or extended warranty so that you do not pay for overlap.

What factors affect car insurance rates for BMW 2 Series?

When determining vehicle insurance prices, suppliers evaluate your driving history, state, city, and several other criteria. In that respect, the actual car you drive is one of the most essential aspects. Each make and model has different characteristics that can influence your risk as a driver, performance on the road, passenger safety in the event of an accident, and so on. Therefore, your choice of the vehicle might impact auto insurance costs immediately. This is how different BMW 2 series features might impact your rates.

  • Body type. The 2 series is a sporty double-door cut intended for a thrilling driving experience everywhere you go. The probability of accidents might be higher and hence the costs of insurance could increase.
  • Type of car. The 2 series is a premium performance automobile, like other BMW cars. These sorts of cars might require more maintenance and repair, resulting in higher prices.
  • Theft. Coupes are stolen much below the cost of insurance, compared to sedans and other cars.
  • Repairs. BMW cars are recognized for their state-of-the-art design and engineering. As a result, expensive components and repair service may be required for the 2 series which may increase your premiums.
  • Safety ratings. The 2 series achieved the highest security level by the IIHS in 2018. In combination with its numerous safety measures, this may reduce your insurance cost.

How do trim packages and extra build options affect insurance cost?

Your vehicle insurance costs are primarily determined by the possibilities and costs of making claims. Since car performance, theft rates, maintenance costs, and other variables may differ between vehicles, the amount you are paid for insurance for your factory and model might play such a big impact. Your selection of constructive alternatives may, however, not only impact your vehicle’s particular variables but also your chance of file claims and their related expenses. This is how numerous construction choices might impact your premium compared to the 2018 basic BMW 230i coupe with a manual gearbox.


  • Automatic transmission. If the automated transmission system is available in all four different trim options, it may boost the insurance cost because it is cheaper to fix than manually operated gearboxes.
  • xDrive. xDrive is an all-wheel drive technology from BMW capable of increasing traction and handling. This choice can lead to higher self-insurance premiums.
  • “M”. The “M” series offers, among other things, a more powerful motor and performance tuning. Price and performance increases are expected to contribute to increased insurance rates.
  • Cabriolet. The convertible is more costly and less secure overall than the cut, which means that insurance will probably cost more.


  • Driver Assistance Package. This package might make the car safer and lead to cheaper insurance costs.
  • M Performance Package. The performance package provides variable sports steering, adjustable M suspension and other handling characteristics. It can save you on car insurance. Add it.
  • Premium Packages. The important and improved premium packages provide a variety of safety, technology and aesthetic elements. The rise in the worth of the vehicle might lead to higher rates as visibility and control improve.
  • Adaptive headlights. Upgrading your headlamps could make seeing and seeing you on the highways simpler. Enhanced security can reduce insurance costs.

BMW 2 Series money-saving safety features

If you have these safety features, you can save money on vehicle insurance for your BMW 2 Series.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the BMW 2 Series qualify for auto insurance discounts?

Depending on the supplier you pick, your car may be eligible for different auto insurance savings. But, depending on where, supplier, alternatives and other variables, the precise discounts you are being given may differ. Some of the following should apply to the BMW 2 series:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the BMW 2 Series?

In the 2018 BMW 2 range, the dependability rate of 4/5 stars is above average for cars in their class, according to the U.S. News and the J.D Power.
Although there have only been contemporary models of the BMW 2 series since 2014, several reminders have been made since manufacture started.

  • 2018. For a software issue that might impede correct illumination of the display, a number of vehicles of the BMW 2 series were recalled.
  • 2014-2015. Although the specific vehicles impacted are not known, BMW was one of 19 car manufacturers affected by the Takata Airbag recall. In order to avoid the inflation of airbags or the pushing of airbags towards passengers while they are activating, almost 37 millions cars built between 2002 and 2015 were recalled.

While there are just relatively few frequent concerns about the BMW 2 series since 2014. Several sources say that this car is considered to be typically fairly dependable and that most customer evaluations confirm this feeling.

Ready to get started?

We’ve got you covered.

BMW 2 Series maintenance

As with other BMW cars, the 2 series includes a variety of characteristics that combine comfort and performance. It will probably wear more than a sedan or family car, but it can help extend its life wisely. Although these cars take little effort to maintain, periodic service ratings can guarantee that your 2 series operates as desired. In terms of maintenance, oil change prices, kilometers, and more, here is what to expect.

  • Every 10,000 miles or 12 months, BMW advises an oil change. You may want to consider changing it more regularly, depending on how you use your car.
  • An oil change should be between $125 and $200 anywhere, however the price varies on how long it has been serviced from the last oil change.
  • The newest BMW models are provided with a service interval indicator and a condition-based service interval system. Both systems monitor your car and tell you when replacement components are required and when the car is to be taken in for servicing.
  • The automatic gearbox 2018 230, with 24 in town and 35 on the road, averages 28 miles per gallon.
  • Approximately 25 miles per gallon, including 21 in the city and 32 on highway, will be achieved by BMW 230i Coupe (Manual gearbox).
  • Average speed of 27 miles per gallon, 24 in town and 33 on the interstate, is the 2018 BMW 230i xDrive.
  • A Standard four-year/50,000-mile guarantee applies to the 2018 BMW 2 Series.

Is an extended warranty worth it for the BMW 2 Series?

The BMW 2 Series 2018 comes with the four-year/50 thousand standard new car guarantee from BMW. These include a specific guarantee for corrosion and roadside support owing to faulty components or service. There are different periods available to provide the extended guarantee, enabling you to choose protection for your requirements. The extended guarantee includes the service of authorized BMW experts, OEM replacement parts, mechanical towing breakdown, and more.

In addition, qualifying 2-series cars to have a three-year 36,000-mile maintenance plan for BMW Ultimate Care. For an additional cost, there are two more maintenance options available.

How safe is the BMW 2 Series?

The BMW 2 range is almost ideal in terms of safety. It was really the 2018 IIHS highest security selection for premium medium-size automobiles. The automobile got 10/10 for safety together with flawless scores for each category of crash test, according to U.S. News and J.D. Power.

About the BMW 2 Series

Since 2013, the BMW 2 series has been around and replaces the 1 series line-up. BMW is the lowest-priced sedan in the 2-series range. In 2017, the Insurance Institute for Road Safety received the Top-Safety Pick+ model.

Based on safety ratings, theft rates, the cost of substitution, and general susceptibility to damage, the insurance company determines insurance premiums for the BMW 2 series. Insurance premiums may vary on the basis of driver and location history. BMW customers should get quotations from many insurance firms in order to get the lowest feasible price before committing. Shoppers of the BMW 2 Series should also conduct their study and check with each insurance provider whether they qualify for insurance savings.

Compare BMW competitors

See additional BMW models or explore similar choices from various manufacturers.

Bottom line

The 2 Series is the entry-level sports coupe for BMW, but with an additional basic price of $38,000, this card comes with a range of fantastic amenities on a lot more advanced BMW. This regular model is more than 250 hp and is available in several settings like all-wheel drive, convertible and more. This model is also available. The costs of coverage may be affected by your construction selections, among many other car and driver characteristics. Compare your choices to see how much car insurance your BMW 2 series is going to cost.

Visit our review of Audi A3 Insurance Cost for another car insurance review.

Bring on the savings!

We’ve done the research and have the tools to find you the best coverage for you. Let us help you discover your perfect policy.

Still paying too much?

Don't leave before you see how much we can help you save.