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 on average $450 each year, collision insurance costs $890, and liability is estimated at $588. Buying just liability costs approximately $664 a year, and insurance for high-risk drivers costs $4,670 or more. Teen drivers cost the most to insure at up to $7,966 a year.
Average premium for full coverage: $2,146
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and M440i Gran Coupe models.
Price Range Variability
For a driver in their 40's, BMW M440i Gran Coupe insurance rates range from as cheap as $664 for just liability insurance to a high rate of $4,670 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.
The examples above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below illustrates average BMW M440i Gran Coupe insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,214
- Choosing higher $1,000 deductibles can save around $304 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $2,146
- Choosing low deductibles for comp and collision coverage costs an additional $594 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,670
- Policy cost with full coverage for a 16-year-old driver may cost $7,966 each year
Insurance rates for a BMW M440i Gran Coupe also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $2,000 annually on average, or $167 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $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 at a minimum $2,500 to $3,500 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $900 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $529 more per 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 Vermont, Wisconsin, and North Carolina, or as much as $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% |
| 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 Best Cheap BMW M440i Gran Coupe Insurance
Finding cheaper rates on insurance for a BMW M440i Gran Coupe takes being a safe and courteous driver, having a good credit history, being claim-free, and determing if full coverage is necessary. Invest time comparing rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick review of the information covered in the charts and tables above.
- It is possible to save as much as $260 per year just by quoting online in advance
- Teenage drivers pay the highest rates, possibly costing $664 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $900 each year
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,520 more each year for auto insurance
- Insureds who require higher levels of liability will pay about $650 annually to raise limits from a 30/60 limit to higher 250/500 limits
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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