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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW 2 Series is $202.08 — or, $2,424.96 annually. However, your actual costs depend on your driving history, vehicle model, ZIP and other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has, and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2014 BMW 2 | $140.75 | $122.99 | $203.99 | $160.30 | $157.01 |
| 2016 BMW 2 | $152.08 | $134.33 | $213.41 | $206.27 | $176.52 |
| 2021 BMW 2 | $175.42 | $158.35 | $238.64 | $235.90 | $202.08 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may differ based on details such as your age, location, job type, annual mileage and more.
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Considering how much you spend on monthly car payments, gas, maintenance bills and other expenses, the cost of auto insurance can be a bit of a shock. While you won’t be able to avoid buying coverage, you can compare your options from different providers to reduce the cost.
There are several elements to consider when choosing a policy. Here’s what to look out for:
Providers consider your driving history, state, city and many other variables when calculating your car insurance premiums. With that in mind, one of the most important factors is the actual vehicle you drive.
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. This is why your choice of vehicle can directly influence the cost of car insurance.
Here’s how various characteristics of the BMW 2 series could affect your rates.
The BMW 2 Series is priced higher for insurance than nonluxury cars, but it’s relatively inexpensive to insure for a luxury coupe or convertible. That means you get the pleasure of a powerful engine, along with a lower ticket price and maintenance costs for a sports car.
| Models similar to BMW 2 Series | Monthly insurance cost | Car value |
|---|---|---|
| BMW 2 Series | $202.08 | $36,895 |
| Audi S5 | – | $53, 545 |
| BMW M4 | $321.18 | $72,795 |
| Infiniti Q60 | – | $42,675 |
| Porsche 911 | – | $100,550 |
We found 2021 car values from Car and Driver’s review of each model.
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW 2 Series:
Your cost of car insurance is largely influenced by your chances of filing claims and the cost of paying them out. Since vehicle performance, theft rates, cost of repairs and other variables can vary between vehicles, your make and model can play such a large role in the price you pay for insurance.
But beyond vehicle-specific factors, your choice of build options can also affect your risk of filing claims and the costs associated with paying them out. Compared to the standard 2018 BMW 230i Coupe with manual transmission, here’s how various build options might affect your premiums.
You could save money on car insurance for your BMW 2 Series if it comes equipped with these safety features.
According to U.S. News and J.D Power, the 2018 BMW 2 Series holds a 4/5 star rating for reliability, which is above average for vehicles in its class.
While modern versions of the BMW 2 series have only been around since 2014, there have been a couple recalls since production began.
Although the BMW 2 series has only been available since 2014, there are very few common complaints. Multiple sources report that this vehicle is generally considered quite reliable and most customer reviews support that sentiment.
Like most BMW vehicles, the 2 series comes packed with a number of features that provide a balance between comfort and performance. It will likely be subject to more wear and tear than a sedan or family vehicle, but driving it responsibly can help extend its life. While these vehicles don’t require much work to maintain, routine service appointments can ensure that your 2 series performs as intended.
Here’s what to expect in term of maintenance, oil change costs, mileage and more.
| Parts | Replacement period |
|---|---|
| Engine oil | Every 10,000 miles or 12 months |
| Fuel filters | Every 20,000 to 40,000 miles |
| Oil filter | Every 10,000 miles or 12 months |
| Air filter | Every 60,000 miles |
| Coolant | Every 10,000 miles |
| Spark plugs | Replace them every 60,000 miles |
| Brake fluid | First 30,000 miles then every 60,000 miles after that |
The 2018 BMW 2 series comes with BMW’s standard four-year/50-000 new vehicle warranty. This covers problems due to defective parts or service and also includes a special corrosion warranty and roadside assistance.
The extended warranty is available in multiple terms, allowing you to find protection that suits your needs. The extended warranty includes service by certified BMW technicians, OEM part replacements, mechanical breakdown towing and much more.
Additionally, eligible 2 series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are two other extended maintenance plans available for an extra fee.
The BMW 2 series holds near-perfect safety ratings across the board. In fact, it was the IIHS 2018 top safety pick for midsize luxury cars. According to U.S. News and J.D. Power, the car earned 10/10 for safety, along with perfect ratings in every crash test category.
The flagship BMW 2 Series model has been around since 2014 and replaced the 1 Series lineup. The 2 Series line offers the lowest price sedan for BMW.
For the 2022 model year, the 230i Coupe has a starting MSRP of $36,350. This trim features a 2.0 liter BMW TwinPower Turbo inline four-cylinder engine and can hit 60 mph in 5.5 seconds.
Its sporty design, generous standard safety features, and various packages make this a go-to for many luxury buyers. In terms of fuel efficiency, it gets 24 mpg city, 34 mpg highway and 28 mpg combined.
For $48,550 you can get a 2 Series M240i xDrive Coupe, which comes standard with all-wheel drive. It has a 3.0-liter six-cylinder engine that hits 60 in 4.1 seconds. The xDrive has tons of tempting add-ons including a Harman Kardon surround system for $875, remote engine start for $300, an illuminated M Trim for $200, and much more.
Fuel economy stands at 23 mpg city, 33 mpg highway, and 27 mpg combined.
The 2022 BMW 2 Series hasn’t been evaluated by the IIHS yet, but the 2021 coupe received Good ratings for all aspects in crashworthiness, the highest possible rating on IIHS.
Insurance companies determine the insurance cost for a BMW 2 Series based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location.
BMW shoppers can grab quotes from several insurance companies to find the lowest premium possible before they commit. BMW 2 Series shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
The 2 Series is BMW’s entry-level sports coupe, but with a base price of $36,350, this vehicle comes equipped with some great features you’d expect to find on a much higher-end Bimmer. The standard model boasts over 250 horsepower and is available in multiple configurations including all-wheel drive, cabriolet and more.
Your build options, among many other vehicle and driver-specific factors, can affect the cost of coverage. You should compare your options to find out how much auto insurance will cost for your BMW 2 series.
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