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 insurance rates for a BMW M440i Gran Coupe are $2,184 a year including full coverage. Comprehensive costs approximately $466 a year, collision insurance costs $930, and liability costs around $570. Liability-only coverage costs as low as $650 a year, and high-risk coverage costs around $4,750. Teenage drivers cost the most to insure at up to $8,054 a year.
Average premium for full coverage: $2,184
Policy rates by type of insurance:
Estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and M440i Gran Coupe trim levels.
Price Range Variability
For a driver in their 40's, BMW M440i Gran Coupe insurance rates range from the low end price of $650 for liability-only coverage to a high of $4,750 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
The examples above highlight why it is important to compare prices using their specific location, instead of using 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.
Additional Charts and Tables
The chart below breaks down average BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,234
- Using higher $1,000 deductibles will save $1,866 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $2,184
- Using low $100 deductibles for physical damage coverage bumps up the cost to $2,802
- Drivers who are prone to accidents and violations could pay around $4,750
- Policy cost that insures a teen driver can cost $8,054 or more
Insurance rates for a BMW M440i Gran Coupe also range considerably based on the trim level of your M440i Gran Coupe, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $2,600 to $3,500 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $2,000 a year, or $167 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $8,000 a year. View Rates by Age
Your home state 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 be forced to pay as much as $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% |
Using high physical damage deductibles could cut rates by as much as $940 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $513 more each year. View Rates by Deductible or Liability Limit
| 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 Low Cost BMW M440i Gran Coupe Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices once a year by getting quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a review of the data that was covered in the charts and tables above.
- You may be able to save around $270 per year just by quoting early and online
- Policyholders who purchase higher liability limits will pay an extra $630 per year to increase from a 30/60 limit to the 250/500 level
- Teens are the costliest to insure, with premiums being up to $671 each month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations will likely pay on average $2,570 more per year for M440i Gran Coupe insurance
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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