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BMW X2 insurance rates

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The BMW X2 is an SUV that’s expensive to insure. The expected average cost of auto insurance for the BMW X2 is $121 a month or $1,452 a year. With a starting MSRP of $46,450, that makes the price-to-cost ratio 3.13%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, X2 trim and options and other factors. Filter car insurance companies by your state to get a quote.

Insurance rates for the BMW X2 are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the X2 compares to other vehicles.

  • Type of car. The BMW X2 is an SUV, which tend to be pricier to insure.
  • Theft. Theft rates for this car are low, which may lower the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with gas engines are usually slightly cheaper to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the sDrive28i, xDrive28i and M35i trim, depending on the model year.
  • Coverage. For an SUV, you might consider a policy with your state’s required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New X2s come with a 1-year, unlimited mileage warranty from BMW plus roadside assistance.
  • Manufacturer deals. Currently, BMW is offering Monthly lease payments of $409 per month for 36 months is based on an adjusted capitalized cost of $35,255 (MSRP of $40,295, including destination and handling fee of $995, less $2,665 customer down, $0 security deposit and suggested dealer contribution of $1,375 and $500 Lease Credit, $500 Loyalty/ Conquest Certificate). You can also find other financing deals from BMW by checking with your local dealer.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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What discounts does the X2 qualify for?

You could save money on car insurance for your BMW X2 if it comes equipped with certain safety features.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount
  • Safety device discount

BMW X2 safety and reliability ratings

The BMW X2 scores 3.5 star from the JD Power, which means its safety is relatively low. Cars with high safety ratings are usually cheaper to insure because they’re easier to repair and safer in a car crash.

Bottom line

The BMW X2 is an SUV with low theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your BMW X2.

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