BMW X2 Car Insurance Calculator

Learn visually how different factors affect car insurance rates for a BMW X2. Customize factors such as driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2024 BMW X2 is $2,452 per year, or about $204 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,452

Cost Per Month

$204

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW X2 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a BMW X2.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,452
Average Rate
Your Rate
$2,452

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW X2.

The 'Average Rate' is a combined value for all BMW X2 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 BMW X2 is $2,452.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 BMW X2 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2024 BMW X2 against all other models in the small luxury SUV segment. The BMW X2 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW X2, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X2.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 BMW X2 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$494
2Lexus NX 250$2,072-$380
3Cadillac XT4$2,114-$338
4Lexus NX 350h$2,210-$242
5Lincoln Corsair$2,236-$216
6Mercedes-Benz GLB 250$2,240-$212
7Lexus UX 250h$2,246-$206
8Lexus NX 450h$2,258-$194
9Mercedes-Benz GLA250$2,282-$170
10Mercedes-Benz GLA35 AMG$2,290-$162
11Land Rover Evoque$2,336-$116
12Lexus NX 350$2,348-$104
13Volvo XC40$2,356-$96
14Volvo XC60$2,370-$82
15Alfa Romeo Tonale$2,376-$76
16Mercedes-Benz GLA45 AMG$2,388-$64
17BMW X1$2,420-$32
18Infiniti QX55$2,424-$28
19Volvo C40$2,442-$10
20BMW X2$2,452--
21Lexus RZ 450e$2,478$26
22Mercedes-Benz EQB 300$2,492$40
23Mercedes-Benz GLC300$2,512$60
2024 Small Luxury SUV Average$2,541$89
24Mercedes-Benz EQB 350$2,552$100
25Genesis GV70$2,582$130
26Audi Q3$2,596$144
27Audi Q5$2,606$154
28Alfa Romeo Stelvio$2,630$178
29Land Rover Range Rover Velar$2,660$208
30BMW X4$2,712$260
31Audi Q4$2,736$284
32BMW X3$2,764$312
33Genesis GV60$2,848$396
34Porsche Macan$2,894$442
35Jaguar I-Pace$2,926$474
36Land Rover Defender$3,042$590
37Jaguar F-Pace$3,130$678
38Aston Martin DBX$4,562$2,110

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 X2 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 BMW X2.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 BMW X2 Insurance Rates by Trim Level
2024 BMW X2 Trim Level Annual Premium Cost Per Month
xDrive28i$2,354$196
M35i$2,550$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 BMW X2 for different driver ages.

2024 BMW X2 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,672$723
17$8,402$700
18$7,535$628
19$6,868$572
20$5,264$439
21$5,026$419
22$4,504$375
23$3,706$309
24$3,504$292
25$2,844$237
30$2,612$218
35$2,518$210
40$2,452$204
45$2,290$191
50$2,170$181
55$2,024$169
60$2,028$169
65$2,160$180
70$2,332$194
75$2,738$228
80$3,366$281

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW X2 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW X2.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW X2 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 BMW X2$2,452$204
2023 BMW X2$2,428$202
2022 BMW X2$2,334$195
2021 BMW X2$2,292$191
2020 BMW X2$2,048$171
2019 BMW X2$1,946$162
2018 BMW X2$2,092$174

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all BMW X2 trim levels for each model year.