BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a BMW M440i Gran Coupe are $2,146 a year including full coverage. Comprehensive insurance costs an estimated $450 each year, collision costs $890, and liability insurance costs around $588. A liability-only policy costs as low as $664 a year, with high-risk insurance costing $4,670 or more. Teenage drivers pay the most at $7,966 a year or more.
Average premium for full coverage: $2,146
Premium estimates broken down by type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and M440i Gran Coupe models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a BMW M440i Gran Coupe go from as low as $664 for just liability insurance to a high rate of $4,670 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying 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 Details
The chart below breaks down estimated BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,214
- Using higher $1,000 deductibles will save approximately $304 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $2,146
- Using low deductibles for physical damage coverage will cost an extra $594 a year
- Drivers who are prone to accidents and violations could pay up to $4,670 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $7,966 or more
Auto insurance prices for a BMW M440i Gran Coupe also have a wide range based on your driving characteristics, the model of your M440i Gran Coupe, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles could pay as little as $2,000 a year, or $167 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $7,900 a year. View Rates by Age
Where you choose to live has a huge impact on BMW M440i Gran Coupe insurance rates. A driver around age 40 might see prices as low as $1,640 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $3,060 on average in Louisiana, 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% |
Using high physical damage deductibles could cut prices by as much as $900 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $529 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $2,500 to $3,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| 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 Find Affordable BMW M440i Gran Coupe Insurance
Finding better rates on BMW M440i Gran Coupe insurance requires avoiding accidents and claims, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief review of the material that was touched on in this article.
- Drivers who want increased liability limits will pay an extra $650 per year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are the costliest to insure, with the cost nearing $664 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $2,520 more annually to insure a BMW M440i Gran Coupe
- Increasing policy deductibles can save around $900 each year
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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