BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW M440i Gran Coupe are $2,146 annually for full coverage insurance. Comprehensive insurance costs around $450 each year, collision costs $890, and liability coverage is estimated at $588. Buying just liability costs approximately $664 a year, with insurance for high-risk drivers costing $4,670 or more. 16-year-old 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:
Includes $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and M440i Gran Coupe models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $664 for minimum levels of liability insurance to a high rate of $4,670 for high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using rate 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 Details
The chart below illustrates estimated BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,214
- Choosing higher $1,000 deductibles can save about $304 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $2,146
- Buying low deductibles for comp and collision coverage costs an additional $594 each year
- Drivers with multiple tickets or accidents could pay at least $4,670 or more
- The cost with full coverage for a teenage driver can be $7,966 each year
Auto insurance rates for a BMW M440i Gran Coupe can also vary considerably based on the trim level of your M440i Gran Coupe, your risk profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $2,000 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $7,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $2,500 to $3,500 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $900 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $529 extra every year. View Rates by Deductible or Liability Limit
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 $1,400 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,890 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different between companies.
| 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 Buy the Cheapest BMW M440i Gran Coupe Insurance
Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a recap of the material that was touched on in this article.
- Consumers who may need higher levels of liability will pay around $650 annually to raise limits from a minimum limit to higher 250/500 limits
- Teenage drivers are expensive to insure, costing up to $664 per month if full coverage is included
- Drivers that have major violations or accidents pay on average $2,520 more every year for auto insurance
- Increasing deductibles could save up to $900 each year
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.
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