BMW 2 Series Car Insurance Rates

The average price for a 2021 BMW 2 Series car insurance rates $202.08 per month, or $2,424.96 per year. Your exact prices, on the other hand, will be determined by your driving record, vehicle type, and geographic area. An older model, on the other hand, may result in reduced insurance costs.

How to compare insurance for the BMW 2 Series

BMW 2 Series Car Insurance Rates - BMW Brand Logo

Paying vehicle insurance may come as a surprise after all the money you spend on car payments, petrol, maintenance, and other expenses. It’s impossible to save money until you compare your options with those of other service providers. When selecting an insurance, several factors must be taken into consideration. What you’ll discover is as follows:

  • Price. If you want to compare vendor quotes, you’ll need to provide the same details so they have the same information.
  • Deductible. Be aware that your monthly rates may be affected by the amount of your deductible. Insurance with a high deductible is frequently less expensive than one with a low one.
  • A bare minimum of protection is provided. Only two nations, New Hampshire and Virginia, do not have a statutory requirement for minimum insurance coverage. Make sure your state’s minimum requirements are fulfilled before buying insurance.
  • Extra information. Physical damage coverage and health care expense coverage are only two of the many options available.
  • Extras. The free inclusion of certain insurance benefits, such as accident forgiveness or roadside assistance. Find out whether there are any free or paid extra supplements available.
  • Restrictions. Before purchasing insurance, be sure you understand any limitations that may result in rejected claims or coverage gaps.
  • Offers from the manufacturer or rewards for being loyal are two examples of discounts. Consult BMW to see if you may obtain factory discounts or offers.
  • Warranty. Check to see if your manufacturer offers additional coverage or a longer warranty to avoid having to pay for any overlaps.

What factors affect car insurance rates for BMW 2 Series?

Insurance providers look at a variety of factors when determining how much you’ll have to pay for vehicle insurance. The vehicle you drive plays a significant role in all of this. Each brand and model has unique characteristics that may impact your safety as a driver, your traffic performance, and the safety of other road users if you are involved in an accident. As a result, the vehicle you drive may have an impact on your insurance rates. This may have an effect on your rates for certain BMW 2 models.

  • Body type. In terms of styling, the 2 series is a sporty two-door coupe that’s meant to excite drivers. Accidents are more likely, and insurance costs rise as a result.
  • Vehicle make and model. The 2 series is a high-end vehicle, much like the rest of the BMW lineup. These kinds of vehicles’ subsequent maintenance and repair costs may be higher.
  • Theft. Cuts are stolen for much less money than sedans and other types of vehicles.
  • Repairs. BMW automobiles are well-known for their cutting-edge design and engineering. These components and maintenance services may be costly if you have the 2 series, which can raise your premium.
  • Ratings of safety. The 2018 2 series was rated the safest by the IIHS. In combination with other safety measures, this may reduce your insurance premiums.

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

The likelihood of claims and associated fees are the primary determinant of your vehicle insurance premium. It is possible that the amount you get paid for your factory’s insurance and design may vary depending on how well a car performs, how often it is stolen, and other factors. However, your choice of constructive alternatives may influence not just your particular factors but also your probability of filing claims and associated expenses in the near future. When compared to the base 2018 BMW 230i coupe with a manual gearbox, there are many design choices that may influence your final cost.


  • Automatic transmission. Insurance costs may go up if the automatic transmission system has four distinct trim choices since it is less expensive to repair than manual gearboxes.
  • xDrive. BMW’s xDrive all-wheel-drive system has the ability to improve traction and control. Self-insurance premiums may rise as a result of this choice.
  • “M”. More powerful engines and more efficient tuning are among the benefits of the “M” series. Insurance premiums are expected to rise when the cost of goods and services increases.
  • Cabriolet. The convertible’s overall cost and safety are less than the reduction, so insurance is unquestionably more expensive..


  • Driver Assistance Package. This bundle may help you save money on insurance while also preserving your car.
  • M Performance Package. A number of handling options are available as part of the performance package, such as M suspension adjustment and variable sports steering. Insurance for automobiles may be reduced. Put something in there.
  • Premium Packages. There are a wide range of safety, technical, and aesthetic elements offered by necessary and premium packages. Due to an increase in value, greater visibility and control may be possible with the vehicle.
  • Adaptive headlights. You may be more easily seen and noticed on the roadways if you have better headlights. Insurance costs may be reduced if the environment is made safer.

BMW 2 Series money-saving safety features

If your BMW 2 Series is equipped with any of these safety features, you may be able to save money on your auto insurance.

  • 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?

The insurance company you choose may offer you discounts on your car insurance if you pick a certain model. However, depending on your location, provider, and other factors, the specific savings you get may vary. The following will take care of 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?

The 2017 BMW 2 series has an above-average dependability rate for 4/5 stars, according to U.S. News and J.D Power.

Despite the fact that new BMW 2 series vehicles have been on the market since 2014, there have been many reminders of the project’s beginnings.

  • 2018. A software flaw in a few BMW 2 series cars may prevent the dashboard from lighting up properly.
  • 2014-2015. It’s unknown which specific BMWs were affected by the recall, but the automaker was one of 19 to get a Takata Airbag Reminder. Airbag inflation or airbags being pushed to passengers when triggered was minimized by removing them from almost 37 million vehicles built between 2002 and 2015.

Despite the fact that the BMW 2 model line has had few issues since its introduction in 2014. The majority of customer evaluations agree that this car has a good track record for delivering on its promises, according to several sources.

BMW 2 Series maintenance

For the second time in a BMW model, the 2 series offers a blend of comfort and performance. A sedan or family car may be less comfortable for him, but there are ways for him to live longer and do so more intelligently. Regular service ratings can ensure your two ranges work as intended even if they don’t take much time to maintain. This is what you can anticipate in terms of upkeep, oil price, miles, and more.

  • After every 12 months or 10,000 miles, BMW advises changing the oil. If you use your car for a variety of purposes, you may want to consider modifying it.
  • The average cost of an oil change is between $125 and $200, depending on the vehicle and the last oil change.
  • BMW’s newest models are equipped with a service interval indicator and a condition-based service intervals system. As a result, both systems keep tabs on your vehicle, alerting you when parts need to be replaced and how well it is being received when it arrives.
  • Automatic gearbox 2018 230 gets 28 mpg on the highway and 24 in the city.
    The BMW 230i Coupe gets 25 mpg overall, with 21 mpg in town and 32 mpg on the highway (Manual gearbox).
  • The 2018 BMW 230i xDrive gets up to 27 mpg on the highway and 24 mpg in town, according to the EPA.
  • In terms of warranty, the 2018 BMW 2 Series comes with a standard 4-year/50,000-mile warranty.

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

The new vehicle warranty from BMW covers the 2018 BMW 2 Series for four years or fifty thousand miles. These include things like a corrosion guarantee and assistance at the roadside if anything goes wrong with the car’s components or maintenance. There are different occasions when the comprehensive warranty may be ensured, so you can choose to protect your needs. More protection is provided by qualified BMW experts, OEM replacement parts, mechanical routing failure, and others.

BMW Ultimate Care Maintenance Plans for 36,000 miles are also available to eligible two-series automobiles. For an additional charge, customers may choose between an additional two types of maintenance.

How safe is the BMW 2 Series?

The BMW 2 series is near-perfect in terms of safety. The IIHS rated it as the safest medium-sized premium car for 2018. Vehicle safety was rated at 10/10 by U.S. News and J.D. Power, with flawless scores in every crash test category.

About the BMW 2 Series

The BMW 1-range has been phased out in favor of the BMW 2-range, which debuted in 2013. BMW’s 2 series sedan is the most affordable model in the lineup. In 2017, the Insurance Institute for Highway Safety awarded this vehicle its Top-Safety Pick+ designation.

It is calculated by the insurance company based on BMW 2 series safety ratings and robbery rates, as well as replacement costs and total damage susceptibility. The cost of auto insurance may vary depending on factors including driving history and location. Consumers of BMW insurance should shop around for the best deal before making a purchase decision. Additionally, buyers of the BMW 2 Series should investigate insurance savings with each insurance carrier to determine whether they are eligible.

Bottom line

Despite being the entry-level BMW, the 2 series has a wide range of great features that can be found on a much more sophisticated BMW for an extra 38,000$ in base price. All-wheel drive, convertible, and more are options for this standard model, which has 250 horsepower. This model is also an option. Your construction choice may have an effect on the cost of insurance as well as many other car and driver characteristics. Find out how much BMW 2 series car insurance would cost by comparing your options.

Compare BMW competitors

See other BMW models or explore other similar manufacturers’ alternatives. You may check out our review of Mercedes-Benz A-Class Insurance Rates.