2022 BMW X2 Car Insurance Calculator

Get instant feedback how different risk factors impact the cost of car insurance for a 2022 BMW X2. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2022 BMW X2 is $2,372 per year, or about $198 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

$2,372

Cost Per Month

$198

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 2022 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.

$2,372
Average Rate
Your Rate
$2,372

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.

The 'Average Rate' is a combined value for all 2022 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 2022 BMW X2 is $2,372.

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.

2022 BMW X2 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2022 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.

2022 BMW X2 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,832-$540
2Cadillac XT4$1,878-$494
3Volvo XC40$2,058-$314
4Lexus NX 250$2,126-$246
5BMW X1$2,130-$242
6Mercedes-Benz GLB 250$2,142-$230
7Lexus UX 250h$2,146-$226
8Lexus NX 350h$2,160-$212
9Lexus NX 350$2,180-$192
10Lexus UX 200$2,184-$188
11Lexus NX 450h$2,238-$134
12Volvo C40$2,252-$120
13Land Rover Evoque$2,260-$112
14Lincoln Corsair$2,264-$108
15Mercedes-Benz GLC300$2,266-$106
16Mercedes-Benz GLA250$2,288-$84
17Audi Q3$2,292-$80
18Volvo XC60$2,300-$72
19BMW X2$2,372--
2022 Small Luxury SUV Average$2,397$25
20Mercedes-Benz GLA35 AMG$2,408$36
21Infiniti QX55$2,422$50
22Genesis GV70$2,450$78
23Audi Q5$2,480$108
24Mercedes-Benz GLA45 AMG$2,494$122
25Audi Q4$2,508$136
26Land Rover Defender$2,522$150
27Land Rover Range Rover Velar$2,532$160
28Alfa Romeo Stelvio$2,584$212
29BMW X3$2,620$248
30Porsche Macan$2,712$340
31Jaguar I-Pace$2,768$396
32Jaguar F-Pace$2,840$468
33BMW X4$2,920$548
34Aston Martin DBX$3,884$1,512

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.

2022 X2 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 BMW X2 Insurance Rates by Trim Level
2022 BMW X2 Trim Level Annual Premium Cost Per Month
sDrive$2,282$190
xDrive$2,334$195
M35i xDrive$2,500$208

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 2022 BMW X2 for different driver ages.

2022 BMW X2 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,555$713
17$8,292$691
18$7,431$619
19$6,755$563
20$5,165$430
21$4,922$410
22$4,405$367
23$3,603$300
24$3,406$284
25$2,758$230
30$2,526$211
35$2,436$203
40$2,372$198
45$2,214$185
50$2,096$175
55$1,960$163
60$1,966$164
65$2,098$175
70$2,274$190
75$2,682$224
80$3,316$276

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.