BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a BMW M440i Gran Coupe are $2,146 annually for full coverage insurance. Comprehensive insurance costs an estimated $450 each year, collision insurance costs $890, and liability is estimated at $588. Liability-only insurance costs approximately $664 a year, and high-risk driver insurance costs $4,670 or more. Teens cost the most to insure at up to $7,966 a year.
Average premium for full coverage: $2,146
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and M440i Gran Coupe models.
Price Range Variability
Using a 40-year-old driver as an example, BMW M440i Gran Coupe insurance rates range from as cheap as $664 for just the minimum liability insurance to a high rate of $4,670 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.
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 Analysis
The chart below illustrates average BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,214
- Choosing higher $1,000 deductibles can save approximately $304 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $2,146
- Selecting low deductibles for comp and collision coverage costs an additional $594 every year
- Unlucky drivers with serious driving violations could pay up to $4,670
- Policy cost with full coverage for a teen driver can cost as much as $7,966 each year
Auto insurance rates for a BMW M440i Gran Coupe also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $2,000 annually on average, or $167 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $7,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $2,500 to $3,500 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $900 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $529 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for BMW M440i Gran Coupe insurance prices. A good driver about age 40 could pay as low as $1,400 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,890 on average in Florida, 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 Buy the Cheapest BMW M440i Gran Coupe Insurance
Finding cheaper rates on car insurance takes being a good driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the data that was raised in the charts and tables above.
- It is possible to save approximately $260 per year just by quoting online in advance
- Policyholders who want an increased level of liability coverage will pay approximately $650 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, possibly costing $664 each month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $2,520 more annually than a safer driver
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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