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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Average insurance prices for a BMW M440i Gran Coupe are $2,146 every 12 months for full coverage. Comprehensive costs an estimated $450, collision insurance costs $890, and liability is $588. A policy with just liability insurance costs around $664 a year, and coverage for high-risk drivers costs around $4,670. Teenage drivers receive the highest rates at up to $7,966 a year.
Average premium for full coverage: $2,146
Rate estimates broken down by individual coverage type:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $664 for your basic liability-only policy to a much higher rate of $4,670 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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 Information
The chart below shows average BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,214
- Raising to $1,000 deductibles will save approximately $304 a year
- The average price for a 40-year-old driver who has $500 deductibles is $2,146
- Using more expensive low deductibles increases the price to $2,740
- Drivers who are prone to accidents and violations could pay up to $4,670
- The cost to insure a 16-year-old driver with full coverage can cost as much as $7,966
Insurance rates for a BMW M440i Gran Coupe can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles can reduce rates by up to $900 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $529 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $2,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $7,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $2,500 to $3,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on BMW M440i Gran Coupe insurance prices. A middle-age driver might find rates as low as $1,420 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $3,060 on average in New York, Louisiana, 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% |
| 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 Right BMW M440i Gran Coupe Insurance
Saving money on insurance for a BMW M440i Gran Coupe consists of having a decent driving record, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save approximately $260 per year just by shopping early and online
- Increasing deductibles could save as much as $900 each year
- 16 to 18-year-old drivers are expensive to insure, costing as high as $664 per month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $2,520 more annually than a driver with a clean driving record
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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