BMW M440i Gran Coupe Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance prices for a BMW M440i Gran Coupe are $2,146 every 12 months including full coverage. Comprehensive insurance costs around $450, collision insurance costs $890, and liability insurance costs $588. Liability-only coverage costs as little as $664 a year, and high-risk coverage costs $4,670 or more. Teen drivers pay the most at up to $7,966 a year.

Average premium for full coverage: $2,146

Premium estimates for type of coverage:

Comprehensive $450
Collision $890
Liability $588

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all 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 range from the cheapest price of $664 for minimum levels of liability insurance to the much higher price of $4,670 for coverage for higher-risk drivers.

Liability Only $664
Full Coverage $2,146
High Risk $4,670

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,610
Small Cities $2,253
Large Cities $2,897

These rate differences highlight why everyone should compare rates for a specific zip code and their own driving history, rather than relying 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.

Additional Rate Details

The chart below breaks down average BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,214
  • Drivers who choose higher $1,000 deductibles will pay about $304 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $2,146
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $594 a year
  • High risk drivers with multiple violations and an at-fault accident could pay at least $4,670
  • An auto insurance policy to insure a teen driver for full coverage can be $7,966 a year

View Chart as Image

BMW M440i Gran Coupe insurance cost comparison chart
Column chart showing BMW M440i Gran Coupe insurance prices range from $1,214 to $7,966 for full coverage

Insurance prices for a BMW M440i Gran Coupe also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could save up to $900 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $529 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $2,000 per year on average, or $167 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $7,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $2,500 to $3,500 extra annually, depending on your age. BMW M440i Gran Coupe insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in BMW M440i Gran Coupe insurance rates. A 40-year-old driver could pay as low as $1,640 a year in states like Missouri, New Hampshire, and Vermont, or as much as $3,060 on average in Michigan, New York, and Louisiana.

BMW M440i Gran Coupe Insurance Rates by State
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%

View Chart as Image

BMW M440i Gran Coupe insurance rates by U.S. city
BMW M440i Gran Coupe Insurance Rates by Model Year
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 Shop for the Best Cheap BMW M440i Gran Coupe Insurance

Finding better rates on BMW M440i Gran Coupe insurance not only requires being a low-risk driver, but also having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the primary concepts that were touched on in this article.

  • You may be able to save up to $260 per year just by quoting online well ahead of the renewal date
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,520 more every year to insure their M440i Gran Coupe
  • Increasing policy deductibles could save as much as $900 each year
  • Teen drivers pay higher prices, with the cost nearing $664 per month if they have full coverage

Rates by Driver Age

BMW M440i Gran Coupe Insurance 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

BMW M440i Gran Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,740
$250 $2,462
$500 $2,146
$1,000 $1,842

Full coverage, driver age 40

Rates by Liability Limit

BMW M440i Gran Coupe Insurance Rates with Different Liability Limits
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

BMW M440i Gran Coupe Insurance 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.

SR-22 Surcharge $306

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
Rate after discounts $1,214

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles