BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive insurance costs approximately $450 a year, collision insurance costs $890, and liability insurance is estimated at $588. Buying just liability costs approximately $664 a year, and insurance for high-risk drivers costs $4,670 or more. Teenage drivers receive the highest rates at up to $7,966 a year.
Average premium for full coverage: $2,146
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $664 for a discount liability-only rate to a high of $4,670 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why it is important to get quotes using their specific location and risk profile, rather than relying 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.
Rates by State, City, and Model
The chart below details average BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,214
- Choosing higher $1,000 deductibles can save $1,842 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $2,146
- Using low $100 deductibles for comp and collision coverage will cost an extra $594 a year
- High-risk insureds who are prone to accidents and violations could pay around $4,670
- The cost for full coverage for a teen driver can cost $7,966 each year
Auto insurance rates for a BMW M440i Gran Coupe can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles could pay as little as $2,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $7,900 a year. View Rates by Age
Where you live 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 $1,540 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,890 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $900 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $529 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $2,500 to $3,500 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
| 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 More Affordable BMW M440i Gran Coupe Insurance
Saving money on BMW M440i Gran Coupe insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a summary of the data presented in the illustrations above.
- Drivers who purchase more liability coverage will pay an extra $650 every year to raise limits from a minimum limit to 250/500 limits
- You may be able to save around $260 per year just by quoting early and online
- Increasing deductibles can save around $900 each year
- Teen drivers have the highest car insurance rates, with premiums as much as $664 per month if they have full coverage
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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