BMW 2 Series insurance group and cost

Compare car insurance costs for your BMW 2 Series based on your age and location.

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The BMW 2 Series is a classy coupe that is hugely popular in the UK. In this guide, you’ll find out how much it might cost to insure a BMW 2 Series based on the model version and specific factors relevant to you.

What insurance group does the BMW 2 Series fall under?

When it comes to car insurance, you’ll find every car on the road has been assigned an insurance group. These groups range from 1 (cheapest to insure) to 50 (most expensive), which helps insurers determine the cost of your premium.

BMW 2 Series models can be found in groups ranging from insurance group 20 to 50. That’s a broad range, so the price of your premium will depend on what model and trim you choose.

As an example, a 30-year-old driver in an average postcode could pay around £694 for cover on a BMW 2 Series 218d Modern 2d that is in insurance group 20 or around £2,512 for a BMW 2 Series M2 CS 2d that is in insurance group 50. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
218d Modern 2d 20 £2,252 £694 £673 £632 Get Quote
218d Modern 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
220d Modern 2d 25 £2,705 £672 £655 £613 Get Quote
220d Modern 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220i Modern 2d 25 £2,705 £672 £655 £613 Get Quote
220i Modern 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
218d (150bhp) Luxury (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Luxury (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Luxury 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Luxury 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d Luxury 2d 20 £2,252 £694 £673 £632 Get Quote
218d Luxury 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i Luxury (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218i Luxury (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i Luxury 2d 20 £2,252 £694 £673 £632 Get Quote
218i Luxury 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
220d (190bhp) xDrive Luxury (Nav) 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220d (190bhp) xDrive Luxury 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220d (190bhp) Luxury (Nav) 2d 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Luxury (Nav) 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Luxury 2d 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Luxury 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220i Luxury (Nav) 2d 26 £2,369 £579 £550 £505 Get Quote
220i Luxury (Nav) 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220i Luxury 2d 26 £2,369 £579 £550 £505 Get Quote
220i Luxury 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
M235i (Nav) 2d 38 £17,788 £2,454 £1,932 £1,571 Get Quote
M235i (Nav) 2d Step Auto 38 £17,788 £2,454 £1,932 £1,571 Get Quote
218d (150bhp) SE (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) SE (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) SE 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) SE 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d SE 2d 20 £2,252 £694 £673 £632 Get Quote
218d SE 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i SE (07/17 on) 2d 20 £2,252 £694 £673 £632 Get Quote
218i SE (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218i SE (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i SE 2d 20 £2,252 £694 £673 £632 Get Quote
218i SE 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i SE auto (07/17 on) 2d 20 £2,252 £694 £673 £632 Get Quote
218d SE (07/17 on) 2d 21 £2,797 £715 £688 £670 Get Quote
218d SE auto (07/17 on) 2d 21 £2,797 £715 £688 £670 Get Quote
220d SE 2d 25 £2,705 £672 £655 £613 Get Quote
220d SE 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220i SE 2d 25 £2,705 £672 £655 £613 Get Quote
220i SE 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
218d (150bhp) Sport (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Sport (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Sport 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) Sport 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d Sport 2d 20 £2,252 £694 £673 £632 Get Quote
218d Sport 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i Sport (07/17 on) 2d 20 £2,252 £694 £673 £632 Get Quote
218i Sport (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218i Sport (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i Sport 2d 20 £2,252 £694 £673 £632 Get Quote
218i Sport 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i Sport auto (07/17 on) 2d 20 £2,252 £694 £673 £632 Get Quote
218d Sport (07/17 on) 2d 22 £3,402 £770 £747 £685 Get Quote
218d Sport auto (07/17 on) 2d 22 £3,402 £770 £747 £685 Get Quote
220d (190bhp) xDrive Sport (Nav) 2d Step Auto 24 £3,873 £807 £731 £684 Get Quote
220d (190bhp) xDrive Sport 2d Step Auto 24 £3,873 £807 £731 £684 Get Quote
220d Sport 2d 25 £2,705 £672 £655 £613 Get Quote
220d Sport 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220i Sport 2d 25 £2,705 £672 £655 £613 Get Quote
220i Sport 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220d (190bhp) Sport (Nav) 2d 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Sport (Nav) 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Sport 2d 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) Sport 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220i Sport (Nav) 2d 26 £2,369 £579 £550 £505 Get Quote
220i Sport (Nav) 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220i Sport Sport Automatic (07/17 on) 2d 26 £2,369 £579 £550 £505 Get Quote
220d Sport (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
220d Sport Sport Automatic (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
220d xDrive Sport Sport Automatic (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
218d (150bhp) M Sport (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) M Sport (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) M Sport 2d 20 £2,252 £694 £673 £632 Get Quote
218d (150bhp) M Sport 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i M Sport (Nav) 2d 20 £2,252 £694 £673 £632 Get Quote
218i M Sport (Nav) 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218i M Sport 2d 20 £2,252 £694 £673 £632 Get Quote
218i M Sport 2d Step Auto 20 £2,252 £694 £673 £632 Get Quote
218d M Sport 2d 21 £2,797 £715 £688 £670 Get Quote
218d M Sport 2d Step Auto 21 £2,797 £715 £688 £670 Get Quote
218i M Sport (07/17 on) 2d 21 £2,797 £715 £688 £670 Get Quote
218i M Sport auto (07/17 on) 2d 21 £2,797 £715 £688 £670 Get Quote
218d M Sport (07/17 on) 2d 22 £3,402 £770 £747 £685 Get Quote
218d M Sport auto (07/17 on) 2d 22 £3,402 £770 £747 £685 Get Quote
220d (190bhp) xDrive M Sport (Nav) 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220d (190bhp) xDrive M Sport 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220d M Sport 2d 25 £2,705 £672 £655 £613 Get Quote
220d M Sport 2d Step Auto 25 £2,705 £672 £655 £613 Get Quote
220i M Sport 2d 26 £2,369 £579 £550 £505 Get Quote
220i M Sport 2d Step Auto 26 £2,369 £579 £550 £505 Get Quote
220d (190bhp) M Sport (Nav) 2d 27 £5,209 £822 £796 £726 Get Quote
220d (190bhp) M Sport (Nav) 2d Step Auto 27 £5,209 £822 £796 £726 Get Quote
220d (190bhp) M Sport 2d 27 £5,209 £822 £796 £726 Get Quote
220d (190bhp) M Sport 2d Step Auto 27 £5,209 £822 £796 £726 Get Quote
220d M Sport (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
220d M Sport Sport Automatic (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
220d xDrive M Sport Sport Automatic (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
220i M Sport (Nav) 2d 27 £5,209 £822 £796 £726 Get Quote
220i M Sport (Nav) 2d Step Auto 27 £5,209 £822 £796 £726 Get Quote
220i M Sport Sport Automatic (07/17 on) 2d 27 £5,209 £822 £796 £726 Get Quote
228i M Sport (Nav) 2d 29 £3,210 £673 £678 £619 Get Quote
228i M Sport (Nav) 2d Step Auto 29 £3,210 £673 £678 £619 Get Quote
225d (224bhp) M Sport (Nav) 2d Step Auto 30 £3,527 £887 £713 £695 Get Quote
228i M Sport 2d 30 £3,527 £887 £713 £695 Get Quote
228i M Sport 2d Step Auto 30 £3,527 £887 £713 £695 Get Quote
230i M Sport (Navigation) 2d 30 £3,527 £887 £713 £695 Get Quote
230i M Sport (Navigation) Sport Automatic 2d 30 £3,527 £887 £713 £695 Get Quote
230i M Sport Sport Automatic (07/17 on) 2d 30 £3,527 £887 £713 £695 Get Quote
225d (224bhp) M Sport 2d Step Auto 31 £4,533 £925 £841 £698 Get Quote
225d M Sport 2d Step Auto 33 £8,255 £761 £720 £808 Get Quote
225d M Sport Sport Automatic (07/17 on) 2d 35 £6,780 £1,056 £935 £747 Get Quote
M235i 2d 39 £12,283 £1,555 £1,231 £787 Get Quote
M235i 2d Step Auto 39 £12,283 £1,555 £1,231 £787 Get Quote
M2 2dr 2d 47 £18,658 £3,048 £2,972 £2,814 Get Quote
M2 M DCT auto (07/17 on) 2d 47 £18,658 £3,048 £2,972 £2,814 Get Quote
M240i (Navigation) 2d 39 £12,283 £1,555 £1,231 £787 Get Quote
M240i (Navigation) Sport Automatic 2d 39 £12,283 £1,555 £1,231 £787 Get Quote
M240i Sport Automatic (07/17 on) 2d 39 £12,283 £1,555 £1,231 £787 Get Quote
M240i (07/17 on) 2d 41 £13,455 £1,759 £1,413 £1,189 Get Quote
M2 Competition 2d 47 £18,658 £3,048 £2,972 £2,814 Get Quote
M2 Competition M Double Clutch Transmission auto 2d 47 £18,658 £3,048 £2,972 £2,814 Get Quote
M2 CS 2d 50 £16,244 £2,512 £1,871 £1,789 Get Quote
M2 CS M Double-Clutch Transmission auto 2d 50 £16,244 £2,512 £1,871 £1,789 Get Quote

    BMW 2 Series insurance cost by location

    The table above shows the average cost of BMW 2 Series insurance based on insurance groups and driver age. However, there are a lot of other factors that affect the cost of your car insurance, one of the most significant being your location.

    To illustrate this fact, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a BMW 2 Series 218d SE 2dd.

    • Expensive: £1,484 (London SE1)
    • Average: £694 (Newcastle NE1)
    • Cheap: £714 (Galashiels TD1)

    Which factors affect my BMW 2 Series insurance rate?

    Along with insurance group, here are some of the more important factors that have the biggest impact on your insurance premium costs:

    • Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. For example, it may cost £1,484 for insurance for a BMW 2 Series 218d SE 2d Step Auto, while you may pay £20,486 for a BMW 2 Series M2 Competition 2d. That’s a £308 difference for the same vehicle with two different engine sizes.
    • Driver location. Insurers will use your home address to determine the risk of your car being stolen or involved in an accident, based on previous claims data. If you live in an area where motorists are more likely to make a claim, you’ll have to pay more for your car insurance. As an example, a 30-year-old in central London may pay £1,208 for insurance for a BMW 2 Series 220i M Sport 2d Step Auto, while the same 30-year-old in Newcastle may only pay £579.
    • Driver age. The youngest drivers are most likely to make a claim on their car insurance, and that’s why they are charged far more to insure a vehicle. As an example, the average 20-year-old driver in London may pay £4,028 for the BMW 2 Series 218d M Sport 2d, while the average 40-year-old Londoner will only pay £975. As you can see from this example, the average 20-year-old would have to pay almost double to insure a BMW 2 Series.

    Other factors that influence the cost of your insurance include:

    • Your car’s safety rating score
    • The model of your car
    • The age of your car
    • Your car’s security and any extra anti-theft precautions
    • Annual miles driven
    • Your credit history and job
    • Your marital status
    • Your driving history and activity
    • Your no-claim discount

    How can I save on my BMW 2 Series premium?

    Car insurance may be a necessary legal requirement, but that doesn’t mean you should let it leave you with an empty bank account. When hunting for car insurance, you’ll want to find the best deal for a price within your budget. There are plenty of actions you can take to lower the cost of your premium, and we’ve listed them below.

    • Reducing your annual mileage. If you can occasionally take a journey by foot or public transport, rather than using your car, it can help to save on your premium.
    • Pay annually rather than monthly. Some insurers charge interest on monthly premium payments. You can avoid these extra charges by paying for your car insurance in one annual payment.
    • Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. So, by investing in additional safety measures, you’re likely to lower your premium.
    • Don’t blindly accept your renewal quote. It’s worth taking the time to search the market for the best possible deal each year. There may be cheaper options out there!

    Bottom line

    The BMW 2 Series oozes class and you can expect to only pay slightly above the average rate to insure it. No wonder it’s such a popular choice among UK motorists. Better yet, the tips in this guide will help you to reduce your premiums even further.

    Frequently asked questions

    *Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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