BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a BMW M440i Gran Coupe are $2,198 a year with full coverage. Comprehensive insurance costs an estimated $482, collision costs $952, and liability costs around $546. A policy with just liability insurance costs as low as $630 a year, with coverage for high-risk drivers costing $4,778 or more. Teen drivers receive the highest rates at $8,060 a year or more.
Average premium for full coverage: $2,198
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. 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 go from as low as $630 for just the minimum liability insurance to a much higher rate of $4,778 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based 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 Analysis
The chart below details estimated BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,240
- Using higher $1,000 deductibles will save approximately $324 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $2,198
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $636 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $4,778 or more
- The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $8,060 or more
Insurance rates for a BMW M440i Gran Coupe can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $2,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $8,000 a year. View Rates by Age
Where you live has a huge impact on BMW M440i Gran Coupe insurance prices. A driver around age 40 might see rates as low as $1,580 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,960 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,986 | -$212 | -9.6% |
| Alaska | $1,684 | -$514 | -23.4% |
| Arizona | $1,824 | -$374 | -17.0% |
| Arkansas | $2,198 | -$0 | 0.0% |
| California | $2,506 | $308 | 14.0% |
| Colorado | $2,100 | -$98 | -4.5% |
| Connecticut | $2,260 | $62 | 2.8% |
| Delaware | $2,488 | $290 | 13.2% |
| Florida | $2,746 | $548 | 24.9% |
| Georgia | $2,032 | -$166 | -7.6% |
| Hawaii | $1,578 | -$620 | -28.2% |
| Idaho | $1,490 | -$708 | -32.2% |
| Illinois | $1,640 | -$558 | -25.4% |
| Indiana | $1,658 | -$540 | -24.6% |
| Iowa | $1,486 | -$712 | -32.4% |
| Kansas | $2,086 | -$112 | -5.1% |
| Kentucky | $2,998 | $800 | 36.4% |
| Louisiana | $3,254 | $1,056 | 48.0% |
| Maine | $1,358 | -$840 | -38.2% |
| Maryland | $1,814 | -$384 | -17.5% |
| Massachusetts | $1,758 | -$440 | -20.0% |
| Michigan | $3,818 | $1,620 | 73.7% |
| Minnesota | $1,842 | -$356 | -16.2% |
| Mississippi | $2,632 | $434 | 19.7% |
| Missouri | $1,950 | -$248 | -11.3% |
| Montana | $2,362 | $164 | 7.5% |
| Nebraska | $1,730 | -$468 | -21.3% |
| Nevada | $2,634 | $436 | 19.8% |
| New Hampshire | $1,584 | -$614 | -27.9% |
| New Jersey | $2,456 | $258 | 11.7% |
| New Mexico | $1,946 | -$252 | -11.5% |
| New York | $2,314 | $116 | 5.3% |
| North Carolina | $1,266 | -$932 | -42.4% |
| North Dakota | $1,798 | -$400 | -18.2% |
| Ohio | $1,516 | -$682 | -31.0% |
| Oklahoma | $2,254 | $56 | 2.5% |
| Oregon | $2,014 | -$184 | -8.4% |
| Pennsylvania | $2,094 | -$104 | -4.7% |
| Rhode Island | $2,930 | $732 | 33.3% |
| South Carolina | $1,988 | -$210 | -9.6% |
| South Dakota | $1,852 | -$346 | -15.7% |
| Tennessee | $1,924 | -$274 | -12.5% |
| Texas | $2,650 | $452 | 20.6% |
| Utah | $1,626 | -$572 | -26.0% |
| Vermont | $1,504 | -$694 | -31.6% |
| Virginia | $1,320 | -$878 | -39.9% |
| Washington | $1,698 | -$500 | -22.7% |
| West Virginia | $2,016 | -$182 | -8.3% |
| Wisconsin | $1,524 | -$674 | -30.7% |
| Wyoming | $1,958 | -$240 | -10.9% |
Choosing high deductibles could cut rates by as much as $960 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $492 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $2,600 to $3,500 additional per year, depending on your age. High-risk driver insurance can be from 43% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW M440i Gran Coupe | $528 | $1,000 | $510 | $2,256 |
| 2023 BMW M440i Gran Coupe | $502 | $960 | $534 | $2,214 |
| 2022 BMW M440i Gran Coupe | $482 | $952 | $546 | $2,198 |
| 2021 BMW M440i Gran Coupe | $466 | $930 | $570 | $2,184 |
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 the Best BMW M440i Gran Coupe Insurance
Saving money on insurance for a BMW M440i Gran Coupe requires being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a brief recap of the information raised in the charts and tables above.
- You may be able to save approximately $270 per year simply by shopping early and online
- Youthful drivers are expensive to insure, with premiums as much as $672 per month including comprehensive and collision insurance
- Increasing deductibles can save around $950 each year
- Drivers considered higher risk who tend to receive serious violations may pay on average $2,580 more annually than a low-risk driver
- Insureds who want more liability protection will pay about $600 every year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $8,060 |
| 20 | $5,102 |
| 30 | $2,308 |
| 40 | $2,198 |
| 50 | $2,008 |
| 60 | $1,970 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,834 |
| $250 | $2,538 |
| $500 | $2,198 |
| $1,000 | $1,874 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,198 |
| 50/100 | $2,307 |
| 100/300 | $2,444 |
| 250/500 | $2,799 |
| 100 CSL | $2,362 |
| 300 CSL | $2,662 |
| 500 CSL | $2,881 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,546 |
| 20 | $8,122 |
| 30 | $4,898 |
| 40 | $4,778 |
| 50 | $4,556 |
| 60 | $4,514 |
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 | $119 |
| Multi-vehicle | $115 |
| Homeowner | $31 |
| 5-yr Accident Free | $171 |
| 5-yr Claim Free | $144 |
| Paid in Full/EFT | $107 |
| Advance Quote | $113 |
| Online Quote | $158 |
| Total Discounts | $958 |
Discounts are estimated and may not be available from every company or in every state.
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