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 insurance prices for a BMW M440i Gran Coupe are $2,146 every 12 months including full coverage. Comprehensive costs an estimated $450 a year, collision insurance costs $890, and liability coverage costs around $588. Buying just liability costs as low as $664 a year, and insurance for high-risk drivers costs around $4,670. 16-year-old drivers receive the highest rates at up to $7,966 a year.
Average premium for full coverage: $2,146
Rate estimates broken down by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $664 for a discount liability-only rate to a high of $4,670 for high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.
These examples highlight why it is important to compare prices for a targeted area and their own driving history, 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.
Rates by State, City, and Model
The chart below breaks down average BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The best full coverage rate is $1,214
- Using higher $1,000 deductibles will save approximately $1,842 every year
- The average price for a 40-year-old driver who has $500 deductibles is $2,146
- Buying low $100 deductibles for physical damage coverage increases the price to $2,740
- Higher-risk drivers with multiple tickets or accidents could pay up to $4,670
- The cost to insure a teenage driver can cost as much as $7,966 or more
Auto insurance rates for a BMW M440i Gran Coupe can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $900 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $529 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $2,000 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $7,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $2,500 to $3,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on BMW M440i Gran Coupe insurance rates. A driver around age 40 might see rates as low as $1,640 a year in states like Vermont, New Hampshire, and Missouri, or at least $3,060 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Shop for More Affordable BMW M440i Gran Coupe Insurance
Saving money on auto insurance requires having a decent driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a summary of the material that was raised in the charts and tables above.
- Consumers who want additional liability coverage will pay around $650 per year to increase from a minimum limit to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, as much as $664 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may have to pay on average $2,520 more annually than a driver with a clean driving record
- Increasing deductibles could save as much as $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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