BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW M440i Gran Coupe are $2,184 a year with full coverage. Comprehensive costs an estimated $466 a year, collision costs $930, and liability is estimated at $570. A policy with just liability insurance costs approximately $650 a year, with coverage for high-risk drivers costing around $4,750. Teenage drivers pay the highest rates at $8,054 a year or more.
Average premium for full coverage: $2,184
Price estimates broken down by individual coverage:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and M440i Gran Coupe trim levels.
Price Range from Low to High
For the normal driver, BMW M440i Gran Coupe insurance prices go from as low as $650 for your basic liability-only policy to a high of $4,750 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above demonstrate why it is important to get quotes for a targeted area and risk profile, instead of making a decision based on average rates.
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.
More Rate Information
The chart below details estimated BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,234
- Choosing higher $1,000 deductibles can save approximately $1,866 annually
- The average rate for the average middle-age driver who has $500 deductibles is $2,184
- Using low $100 deductibles for comp and collision coverage will increase the cost to $2,802
- Higher-risk drivers who are prone to accidents and violations could pay up to $4,750 or more
- The price for full coverage for a 16-year-old driver can cost as much as $8,054 each year
Insurance prices for a BMW M440i Gran Coupe are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as low as $2,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $8,000 a year. View Rates by Age
The state you live in 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 $1,570 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,940 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,972 | -$212 | -9.7% |
| Alaska | $1,674 | -$510 | -23.4% |
| Arizona | $1,812 | -$372 | -17.0% |
| Arkansas | $2,184 | -$0 | 0.0% |
| California | $2,488 | $304 | 13.9% |
| Colorado | $2,084 | -$100 | -4.6% |
| Connecticut | $2,242 | $58 | 2.7% |
| Delaware | $2,468 | $284 | 13.0% |
| Florida | $2,728 | $544 | 24.9% |
| Georgia | $2,016 | -$168 | -7.7% |
| Hawaii | $1,568 | -$616 | -28.2% |
| Idaho | $1,480 | -$704 | -32.2% |
| Illinois | $1,626 | -$558 | -25.5% |
| Indiana | $1,646 | -$538 | -24.6% |
| Iowa | $1,476 | -$708 | -32.4% |
| Kansas | $2,072 | -$112 | -5.1% |
| Kentucky | $2,978 | $794 | 36.4% |
| Louisiana | $3,232 | $1,048 | 48.0% |
| Maine | $1,350 | -$834 | -38.2% |
| Maryland | $1,800 | -$384 | -17.6% |
| Massachusetts | $1,744 | -$440 | -20.1% |
| Michigan | $3,790 | $1,606 | 73.5% |
| Minnesota | $1,828 | -$356 | -16.3% |
| Mississippi | $2,614 | $430 | 19.7% |
| Missouri | $1,936 | -$248 | -11.4% |
| Montana | $2,344 | $160 | 7.3% |
| Nebraska | $1,718 | -$466 | -21.3% |
| Nevada | $2,616 | $432 | 19.8% |
| New Hampshire | $1,572 | -$612 | -28.0% |
| New Jersey | $2,438 | $254 | 11.6% |
| New Mexico | $1,932 | -$252 | -11.5% |
| New York | $2,298 | $114 | 5.2% |
| North Carolina | $1,256 | -$928 | -42.5% |
| North Dakota | $1,786 | -$398 | -18.2% |
| Ohio | $1,508 | -$676 | -31.0% |
| Oklahoma | $2,238 | $54 | 2.5% |
| Oregon | $2,000 | -$184 | -8.4% |
| Pennsylvania | $2,080 | -$104 | -4.8% |
| Rhode Island | $2,912 | $728 | 33.3% |
| South Carolina | $1,976 | -$208 | -9.5% |
| South Dakota | $1,840 | -$344 | -15.8% |
| Tennessee | $1,910 | -$274 | -12.5% |
| Texas | $2,630 | $446 | 20.4% |
| Utah | $1,616 | -$568 | -26.0% |
| Vermont | $1,494 | -$690 | -31.6% |
| Virginia | $1,310 | -$874 | -40.0% |
| Washington | $1,686 | -$498 | -22.8% |
| West Virginia | $2,002 | -$182 | -8.3% |
| Wisconsin | $1,512 | -$672 | -30.8% |
| Wyoming | $1,944 | -$240 | -11.0% |
Using high physical damage deductibles can save as much as $940 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $513 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $2,600 to $3,500 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW M440i Gran Coupe | $502 | $960 | $534 | $2,214 |
| 2023 BMW M440i Gran Coupe | $482 | $952 | $546 | $2,198 |
| 2022 BMW M440i Gran Coupe | $466 | $930 | $570 | $2,184 |
| 2021 BMW M440i Gran Coupe | $450 | $890 | $588 | $2,146 |
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
Getting lower rates on insurance for a BMW M440i Gran Coupe takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least once a year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a condensed summary of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $270 per year simply by quoting early and online
- Drivers considered higher risk with multiple at-fault accidents may pay on average $2,570 more annually to buy BMW M440i Gran Coupe insurance
- Increasing physical damage deductibles can save around $925 each year
- Drivers age 20 and younger are charged the highest prices, costing up to $671 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $8,054 |
| 20 | $5,072 |
| 30 | $2,288 |
| 40 | $2,184 |
| 50 | $1,994 |
| 60 | $1,956 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,802 |
| $250 | $2,512 |
| $500 | $2,184 |
| $1,000 | $1,866 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,184 |
| 50/100 | $2,298 |
| 100/300 | $2,441 |
| 250/500 | $2,811 |
| 100 CSL | $2,355 |
| 300 CSL | $2,669 |
| 500 CSL | $2,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,538 |
| 20 | $8,082 |
| 30 | $4,866 |
| 40 | $4,750 |
| 50 | $4,532 |
| 60 | $4,492 |
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 | $118 |
| Multi-vehicle | $115 |
| Homeowner | $31 |
| 5-yr Accident Free | $169 |
| 5-yr Claim Free | $143 |
| Paid in Full/EFT | $105 |
| Advance Quote | $112 |
| Online Quote | $157 |
| Total Discounts | $950 |
Discounts are estimated and may not be available from every company or in every state.
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