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2Addicts | BMW 2-Series forum BMW 2 Series (F22) Forum BMW 2 Series Coupe and Cabriolet (F22/F23) General Forum Whats your insurance premium like on this car

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      02-25-2014, 12:31 AM   #1
2ForMe
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Whats your insurance premium like on this car

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Trying to get an idea of how much it costs to insure the 228 and M235.

For those of you who have already picked up your new 2 series...please post how much you're paying for 6 months to insure this vehicle.


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EDIT: Ok since some of the members here seem to find this to be a TOUCHY subject for whatever reason, please indicate the following in your post:

Leasing/financing or buying
228 or M235
Total premium
Deductible amounts & anything else you don't mind revealing

I'm not interested if you're doing $500,000/$500,000 or $1MIL/$1MIL for bodily injury protection to cover all your assets or whatever your situations are. I just want to know what type of premiums you guys are looking at for a 6 month period.

My current carrier, who is usually extremely competitive, is quoting me $780 for 6 months on an M235 and that's with bare minimum coverage for a lease: $100k/$300k bodily injury, $50k property, $1000 deductibles for collision and comprehensive, plus un-insured motorist of only 10k/20k.

Had a minor fender bender a few years back, but even with that, I'm currently paying less than $600 every 6 months with my current vehicle. I'm surprised my premium is going to go up over $150 for this car, when a new C7 Stingray would actually cost me less to insure with my current carrier.

Last edited by 2ForMe; 02-25-2014 at 05:04 PM.
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      02-25-2014, 08:00 AM   #2
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Quote:
Originally Posted by 2ForMe View Post
Trying to get an idea of how much it costs to insure the 228 and M235.

For those of you who have already picked up your new 2 series...please post how much you're paying for 6 months to insure this vehicle.
You could always call your insurance and get an estimate since lots of factors go into that such as location, driving record, age, and number of years with the same company in addition to the vehicle itself.

I haven't gotten numbers but I expect to pay no more than 550 to 600 (like my 335) every six months with a 250 deductible and well above state minimums. However there was a time when I was paying 3000 for 6 months on a 10000 dollar car so numbers on the forum may not be a good gauge.
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      02-25-2014, 10:00 AM   #3
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I checked with mine, when I get my 228i I'll pay $100 more every 6mos than my MINI Cooper S (currently at 300/6mos)
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      02-25-2014, 10:43 AM   #4
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All depends on where you live
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      02-25-2014, 01:32 PM   #5
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You guys are breaking my balls here. I already called multiple insurance agents. I want to know what YOU guys are paying around the country.

Thx
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      02-25-2014, 01:35 PM   #6
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I'll have an increase of $95 per 6 months on mine.
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      02-25-2014, 02:46 PM   #7
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Quote:
Originally Posted by 2ForMe View Post
You guys are breaking my balls here. I already called multiple insurance agents. I want to know what YOU guys are paying around the country.

Thx
how is knowing what other ppl are paying gonna help you? if you can't get lower in your area by calling different agents, then you can't. Even if others are paying $200 lower than you, so what? your insurance agent is not gonna give you a discount because somebody on the other side of the country paid $200 less.
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      02-25-2014, 03:25 PM   #8
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Quote:
Originally Posted by Deso View Post
I checked with mine, when I get my 228i I'll pay $100 more every 6mos than my MINI Cooper S (currently at 300/6mos)
I'm actually an insurance agent in the Chicagoland area. Anyone interested saving money in Illinois PM me. I'll definitely do my best to hook up fellow forum members.

I work with multiple quality insurance companies such as AAA.
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      02-25-2014, 04:12 PM   #9
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Quote:
Originally Posted by 2ForMe View Post
You guys are breaking my balls here. I already called multiple insurance agents. I want to know what YOU guys are paying around the country.

Thx
I'm paying about $600 every 6 months
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      02-25-2014, 04:36 PM   #10
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My estimated increase from a Mazdaspeed 3 to 228i M sport was $40 per 6 months through State Farm.
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      02-25-2014, 11:47 PM   #11
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mines like 12 dollars for 6 months compare to my 128i.

But the corvette was like 250 more for 6 months compare to my 128i
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      02-26-2014, 12:46 AM   #12
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You need to buy more uninsured/underinsured motorist coverage. If someone with minimum limits hits you, and you get seriously injured, you will be screwed. Seriously. Do it tomorrow
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      02-26-2014, 11:30 AM   #13
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Quote:
Originally Posted by patzcalski View Post
You need to buy more uninsured/underinsured motorist coverage. If someone with minimum limits hits you, and you get seriously injured, you will be screwed. Seriously. Do it tomorrow
I'm aware of that. Like I said that was a quote for bare minimum coverage on a lease. Going to easily be in the high 800s low 900s to insure if I pull the trigger on this car and get suitable coverage, which is ridiculous

Last edited by 2ForMe; 02-26-2014 at 11:43 AM.
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      02-26-2014, 12:14 PM   #14
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The vehicle type should only impact comprehensive and collision coverage's. Most commonly, vehicle types are grouped into classes, and each class is assigned a relativity that will impact the amount of premium that you pay. Different insurance companies will group vehicles differently, and will assign their own unique relativities to each group. So you are unlikely to get any meaningful answer out of this question.

The 2 series has also not made it into any of these groupings as it is still too new, which means that most companies will assign it based on the MSRP and coupe classification. Thus, expect to pay a rate very close to that of a 135is.
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      02-27-2014, 08:17 AM   #15
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      02-27-2014, 08:35 AM   #16
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I pay a 6 month payment of nearly $900 for a 14 year old car. No accidents and clean driving record. Not looking forward to the premiums for a new bmw. Damn ageism!
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      02-27-2014, 01:39 PM   #17
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I pay about $94/month for a 100/300 policy on a 2006 325i. I just called my insurance agent and if I were to get a 228i, my premium would increase about $22/month, so $116/month.
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      02-27-2014, 02:56 PM   #18
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My insurance is 500 a year on an m235i
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      02-27-2014, 04:51 PM   #19
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Does anybody have their M235i (or 228 for that matter) insured with GEICO? I Went to get an online quote but they haven't even added the car to the list I can choose from
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      03-13-2014, 06:13 PM   #20
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Quote:
Originally Posted by superpenguin View Post
Does anybody have their M235i (or 228 for that matter) insured with GEICO? I Went to get an online quote but they haven't even added the car to the list I can choose from
You can get a quote from Geico if you provide a VIN and select other for model. A Geico rep will email you back with a real quote for an M235i within an hour or so.
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      03-13-2014, 08:43 PM   #21
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Got a quote from progressive on 228I in Chicago at I think 460/6mo.
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      03-13-2014, 11:00 PM   #22
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There are a lot of variables that will effect your insurance rate, so what I pay is irrelevant to what you'll pay for the most part.
I have a M235i - $438 for 6 mos with a little better coverage than your minimum.
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