BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a BMW M440i Gran Coupe are $2,184 every 12 months including full coverage. Comprehensive insurance costs approximately $466 a year, collision costs $930, and liability costs around $570. Buying just liability costs as low as $650 a year, with insurance for high-risk drivers costing $4,750 or more. 16-year-old drivers receive the highest rates at $8,054 a year or more.
Average premium for full coverage: $2,184
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $650 for just the minimum liability insurance to a high of $4,750 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how your location can change auto insurance prices.
These examples highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below breaks down estimated BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,234
- Using higher $1,000 deductibles will save $1,866 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $2,184
- Buying low $100 deductibles for physical damage coverage costs an extra $618 annually
- High-risk insureds with multiple tickets or accidents could pay around $4,750 or more
- The cost to insure a 16-year-old driver can cost $8,054 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 of your M440i Gran Coupe.
Opting for high physical damage deductibles could cut rates by as much as $940 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $513 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $2,000 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $8,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $2,600 to $3,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on BMW M440i Gran Coupe insurance prices. A driver around age 40 might see rates as low as $1,670 a year in states like Vermont, New Hampshire, and Missouri, or at least $3,110 on average in Louisiana, 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for Cheaper BMW M440i Gran Coupe Insurance
Saving money on insurance for a BMW M440i Gran Coupe requires being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
Below you'll find a condensed summary of the coverage data illustrated above.
- You may be able to save around $270 per year simply by quoting early and online
- Increasing deductibles could save as much as $925 each year
- Youthful drivers have the highest car insurance rates, as much as $671 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents could be charged and average of $2,570 more per year than a low-risk driver
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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