BMW M440i Gran Coupe Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a BMW M440i Gran Coupe are $2,146 a year including full coverage. Comprehensive costs around $450, collision costs $890, and liability insurance is estimated at $588. Liability-only coverage costs approximately $664 a year, with high-risk coverage costing around $4,670. Teen drivers receive the highest rates at $7,966 a year or more.
Average premium for full coverage: $2,146
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all M440i Gran Coupe models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $664 for the bare minimum liability coverage to the much higher price of $4,670 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why everyone should get quotes for a specific zip code and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,214
- Choosing higher $1,000 deductibles can save about $304 every year
- The average rate for a 40-year-old driver using $500 deductibles is $2,146
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,740
- High-risk insureds with multiple violations and an at-fault accident could pay at least $4,670 or more
- The cost for full coverage for a teen driver for full coverage can be $7,966 each year
Car insurance rates for a BMW M440i Gran Coupe can also vary considerably based on your driver profile, the model of your M440i Gran Coupe, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles could pay as little as $2,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $7,900 a year. View Rates by Age
Where you live plays a big part in determining prices for BMW M440i Gran Coupe insurance rates. A good driver about age 40 could pay as low as $1,640 a year in states like Missouri, New Hampshire, and Vermont, or as much as $3,060 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,938 | -$208 | -9.7% |
| Alaska | $1,642 | -$504 | -23.5% |
| Arizona | $1,780 | -$366 | -17.1% |
| Arkansas | $2,146 | -$0 | 0.0% |
| California | $2,446 | $300 | 14.0% |
| Colorado | $2,050 | -$96 | -4.5% |
| Connecticut | $2,206 | $60 | 2.8% |
| Delaware | $2,428 | $282 | 13.1% |
| Florida | $2,682 | $536 | 25.0% |
| Georgia | $1,984 | -$162 | -7.5% |
| Hawaii | $1,540 | -$606 | -28.2% |
| Idaho | $1,454 | -$692 | -32.2% |
| Illinois | $1,598 | -$548 | -25.5% |
| Indiana | $1,618 | -$528 | -24.6% |
| Iowa | $1,452 | -$694 | -32.3% |
| Kansas | $2,036 | -$110 | -5.1% |
| Kentucky | $2,926 | $780 | 36.3% |
| Louisiana | $3,176 | $1,030 | 48.0% |
| Maine | $1,326 | -$820 | -38.2% |
| Maryland | $1,770 | -$376 | -17.5% |
| Massachusetts | $1,716 | -$430 | -20.0% |
| Michigan | $3,726 | $1,580 | 73.6% |
| Minnesota | $1,796 | -$350 | -16.3% |
| Mississippi | $2,568 | $422 | 19.7% |
| Missouri | $1,902 | -$244 | -11.4% |
| Montana | $2,306 | $160 | 7.5% |
| Nebraska | $1,690 | -$456 | -21.2% |
| Nevada | $2,572 | $426 | 19.9% |
| New Hampshire | $1,546 | -$600 | -28.0% |
| New Jersey | $2,400 | $254 | 11.8% |
| New Mexico | $1,898 | -$248 | -11.6% |
| New York | $2,262 | $116 | 5.4% |
| North Carolina | $1,234 | -$912 | -42.5% |
| North Dakota | $1,756 | -$390 | -18.2% |
| Ohio | $1,480 | -$666 | -31.0% |
| Oklahoma | $2,202 | $56 | 2.6% |
| Oregon | $1,966 | -$180 | -8.4% |
| Pennsylvania | $2,044 | -$102 | -4.8% |
| Rhode Island | $2,862 | $716 | 33.4% |
| South Carolina | $1,940 | -$206 | -9.6% |
| South Dakota | $1,810 | -$336 | -15.7% |
| Tennessee | $1,878 | -$268 | -12.5% |
| Texas | $2,586 | $440 | 20.5% |
| Utah | $1,590 | -$556 | -25.9% |
| Vermont | $1,468 | -$678 | -31.6% |
| Virginia | $1,286 | -$860 | -40.1% |
| Washington | $1,656 | -$490 | -22.8% |
| West Virginia | $1,968 | -$178 | -8.3% |
| Wisconsin | $1,486 | -$660 | -30.8% |
| Wyoming | $1,910 | -$236 | -11.0% |
Choosing high deductibles can save as much as $900 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $529 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,500 to $3,500 extra per year, depending on your age. BMW M440i Gran Coupe insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW M440i Gran Coupe | $482 | $952 | $546 | $2,198 |
| 2023 BMW M440i Gran Coupe | $466 | $930 | $570 | $2,184 |
| 2022 BMW M440i Gran Coupe | $450 | $890 | $588 | $2,146 |
| 2021 BMW M440i Gran Coupe | $424 | $860 | $606 | $2,108 |
Rates are averaged for all BMW M440i Gran Coupe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper BMW M440i Gran Coupe Insurance
Saving money on BMW M440i Gran Coupe insurance takes being safe and accident-free, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a condensed summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $260 per year simply by quoting online well ahead of the renewal date
- High-risk drivers with multiple at-fault accidents pay on average $2,520 more every year than a low-risk driver
- Increasing deductibles can save around $900 each year
- Youthful drivers are the costliest to insure, as much as $664 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,966 |
| 20 | $4,984 |
| 30 | $2,246 |
| 40 | $2,146 |
| 50 | $1,960 |
| 60 | $1,924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,740 |
| $250 | $2,462 |
| $500 | $2,146 |
| $1,000 | $1,842 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,146 |
| 50/100 | $2,264 |
| 100/300 | $2,411 |
| 250/500 | $2,793 |
| 100 CSL | $2,322 |
| 300 CSL | $2,646 |
| 500 CSL | $2,881 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,400 |
| 20 | $7,944 |
| 30 | $4,780 |
| 40 | $4,670 |
| 50 | $4,456 |
| 60 | $4,418 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $116 |
| Multi-vehicle | $114 |
| Homeowner | $31 |
| 5-yr Accident Free | $164 |
| 5-yr Claim Free | $141 |
| Paid in Full/EFT | $102 |
| Advance Quote | $110 |
| Online Quote | $154 |
| Total Discounts | $932 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
