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...
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW M440i Gran Coupe are $2,146 annually for full coverage. Comprehensive costs around $450 each year, collision insurance costs $890, and liability insurance is estimated at $588. Liability-only coverage costs approximately $664 a year, and high-risk coverage costs around $4,670. Teen drivers pay the highest rates at up to $7,966 a year.
Average premium for full coverage: $2,146
Price estimates for individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and M440i Gran Coupe models.
Price Range from Low to High
For the normal driver, BMW M440i Gran Coupe insurance prices range from as cheap as $664 for your basic liability-only policy to a high rate of $4,670 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above show why all drivers should get quotes for a specific zip code and their own personal driving habits, 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.
More Rate Information
The chart below shows average BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,214
- Choosing higher $1,000 deductibles can save about $304 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $2,146
- Choosing low deductibles for comp and collision coverage will cost $2,740
- High-risk insureds with multiple violations and an at-fault accident could pay at least $4,670
- The price with full coverage for a teen driver can be $7,966 each year
Auto insurance prices for a BMW M440i Gran Coupe are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $2,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $7,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $2,500 to $3,500 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $900 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $529 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for BMW M440i Gran Coupe insurance rates. A good driver about age 40 could pay as low as $1,420 a year in states like Idaho, Maine, and Iowa, or as much as $3,060 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy the Best Cheap BMW M440i Gran Coupe Insurance
Getting lower rates on BMW M440i Gran Coupe insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a quick review of the data presented in the illustrations above.
- Drivers who may need more liability coverage will pay about $650 each year to raise limits from a low limit to higher 250/500 limits
- Drivers can save up to $260 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $900 each year
- Teen drivers are expensive to insure, with premiums as much as $664 a month if full coverage is included
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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