Estimates, not quotes

BMW M2 Insurance Cost in Georgia

Insuring a BMW M2 in Georgia costs about $2,595 a year ($216/month) for full coverage by our estimate — +15% versus the same car nationally — the 7th most expensive of 51 states for this model.

BMW M2 (photo from Wikimedia Commons)
Photo: Alexander-93, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW M2 insurance in Georgia at a glance

Full coverage
$2,595
$2,130–$3,060
25/50/25 minimum
$770
$64/mo
Same car nationally
$2,260
full coverage
Avg. car in GA
$1,965
+32% for the M2

The BMW M2 is 32% more expensive than the average vehicle to insure in Georgia, reflecting HLDI collision losses of 248 and comprehensive losses of 154 (100 = average). Georgia's own base rates are 21% higher than the national average, which carries through to every model.

Georgia factors that affect M2 premiums

  • Uninsured drivers: 19.0% of Georgia drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your M2.
  • Theft: 163 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Georgia's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.15 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Georgia →

BMW M2 insurance cost in Georgia cities

CityFull coverageMinimumvs. state
Atlanta$2,915$865+12%
Columbus$2,550$755−2%
Augusta$2,515$745−3%
Macon$2,530$750−3%
Savannah$2,605$7700%
Athens$2,560$760−1%
South Fulton$2,890$855+11%
Sandy Springs$2,850$840+10%
Roswell$2,845$840+10%
Alpharetta$2,845$840+10%
Albany$2,555$760−2%
Marietta$2,880$855+11%
Valdosta$2,485$740−4%
Gainesville$2,690$800+4%
LaGrange$2,545$760−2%

BMW M2 insurance in Georgia by driver

Estimated annual BMW M2 premium in Georgia
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,115 $3,065 $7,135 $595
Young adult (22) $1,230 $1,785 $4,150 $346
Adult in their 30s $770 $1,115 $2,595 $216
Adult in their 50s $710 $1,025 $2,390 $199
Senior (72) $860 $1,250 $2,905 $242
30s, one at-fault accident $1,115 $1,615 $3,765 $314
30s, DUI on record $1,425 $2,065 $4,800 $400

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $770 $64 $630–$905
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,115 $93 $915–$1,315
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,595 $216 $2,130–$3,060

Georgia minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Georgia

ModelFull coverage in GAvs. M2
Porsche 911$2,020−22%
Jaguar F-Type$2,545−2%
Lamborghini Huracan$5,470+111%
Mercedes-Benz SL-Class$2,625+1%

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Estimated annual premium
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BMW M2 insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW M2 insurance in Georgia?

About $2,595 a year ($216 a month) for full coverage and $770 for Georgia's minimum liability, for a driver in their 30s with a clean record. That is 15% more than the national estimate for the same car.

Is the BMW M2 cheaper to insure than the average car in Georgia?

The average vehicle in Georgia is about $1,965 a year for full coverage in our model, so the BMW M2 is 32% more expensive than average.

Where in Georgia is BMW M2 insurance cheapest?

Among the largest Georgia cities, Valdosta has the lowest estimate (about $2,485) and Atlanta the highest (about $2,915).

What insurance do I need for a BMW M2 in Georgia?

Georgia requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page