BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a BMW M440i Gran Coupe are $2,184 annually for full coverage insurance. Comprehensive costs approximately $466 a year, collision insurance costs $930, and liability is estimated at $570. Liability-only coverage costs approximately $650 a year, and high-risk coverage costs around $4,750. Teenage drivers receive the highest rates at up to $8,054 a year.
Average premium for full coverage: $2,184
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $650 for your basic liability-only policy to a high of $4,750 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.
These examples illustrate why it is important to get quotes using their specific location and their own personal driving habits, 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 illustrates average BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,234
- Choosing higher $1,000 deductibles can save $1,866 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $2,184
- Using low $100 deductibles for comp and collision coverage will cost $2,802
- Higher-risk drivers who are prone to accidents and violations could pay around $4,750
- The cost with full coverage for a 16-year-old driver can cost $8,054 each year
Car 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 physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $2,000 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $8,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $2,600 to $3,500 extra per 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
Using high physical damage deductibles can save as much as $940 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $513 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live 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 $1,430 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,940 on average in Florida, New York, and Michigan.
| 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% |
| 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 Buy the Right BMW M440i Gran Coupe Insurance
Saving money on insurance for a BMW M440i Gran Coupe takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Make time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a quick rundown of the concepts that were touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $2,570 more per year for auto insurance
- Teenage drivers pay the highest auto insurance rates, costing up to $671 per month if comprehensive and collision insurance is included
- It is possible to save around $270 per year just by quoting early and online
- Increasing deductibles could save up to $925 each year
- It is possible to save around $270 per year just by quoting early and online
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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