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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Average insurance rates for a BMW M440i Gran Coupe are $2,146 a year for full coverage. Comprehensive insurance costs around $450 each year, collision costs $890, and liability costs $588. Liability-only coverage costs as little as $664 a year, with high-risk coverage costing $4,670 or more. Teens receive the highest rates at $7,966 a year or more.
Average premium for full coverage: $2,146
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and M440i Gran Coupe models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $664 for a discount liability-only rate to a high rate of $4,670 for a high-risk driver policy.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
These examples show why all drivers should compare rates for a specific zip code, instead of using averaged prices.
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.
Rates by State, City, and Model
The chart below shows estimated BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,214
- Drivers who choose higher $1,000 deductibles will pay about $304 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $2,146
- Selecting low deductibles for comprehensive and collision insurance will cost an additional $594 every year
- Higher-risk drivers with serious driving violations could pay at least $4,670 or more
- The cost that insures a teen driver can be $7,966 a year
Car insurance rates for a BMW M440i Gran Coupe can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $2,500 to $3,500 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $2,000 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $7,900 a year. View Rates by Age
Where you live makes a big difference in BMW M440i Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,420 a year in states like Idaho, Maine, and Iowa, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $900 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $529 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different.
| 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
Saving money on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief review of the information covered in the charts and tables above.
- Drivers can save up to $260 per year simply by quoting online in advance
- Drivers under the age of 20 are the costliest to insure, costing as high as $664 per month if full coverage is purchased
- Increasing deductibles can save approximately $900 each year
- Higher risk drivers with DUI or reckless driving convictions pay on average $2,520 more every year to insure a BMW M440i Gran Coupe
- Policyholders who may need increased liability limits will pay approximately $650 each year to go from a minimum limit to the 250/500 level
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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