BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a BMW M440i Gran Coupe are $2,184 annually for full coverage. Comprehensive costs approximately $466 a year, collision insurance costs $930, and liability is estimated at $570. Liability-only insurance costs approximately $650 a year, and high-risk driver insurance costs around $4,750. Teenage drivers cost the most to insure at up to $8,054 a year.
Average premium for full coverage: $2,184
Policy rates by type of insurance:
Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and M440i Gran Coupe trim levels.
Price Range Variability
For the normal driver, BMW M440i Gran Coupe insurance rates range from as cheap as $650 for the bare minimum liability coverage to a high of $4,750 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.
The examples above show why it is important to get quotes using their specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below shows average BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,234
- Choosing higher $1,000 deductibles can save $1,866 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $2,184
- Using low $100 deductibles for comp and collision coverage will cost $2,802
- Higher-risk drivers who are prone to accidents and violations could pay around $4,750
- Policy cost with full coverage for a 16-year-old driver can cost $8,054 each year
Auto insurance rates for a BMW M440i Gran Coupe also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $2,000 annually on average, or $167 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $8,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $2,600 to $3,500 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $940 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for BMW M440i Gran Coupe insurance prices. A good driver about age 40 could pay as low as $1,440 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $3,110 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,972 | -$212 | -9.7% |
| Alaska | $1,674 | -$510 | -23.4% |
| Arizona | $1,812 | -$372 | -17.0% |
| Arkansas | $2,184 | -$0 | 0.0% |
| California | $2,488 | $304 | 13.9% |
| Colorado | $2,084 | -$100 | -4.6% |
| Connecticut | $2,242 | $58 | 2.7% |
| Delaware | $2,468 | $284 | 13.0% |
| Florida | $2,728 | $544 | 24.9% |
| Georgia | $2,016 | -$168 | -7.7% |
| Hawaii | $1,568 | -$616 | -28.2% |
| Idaho | $1,480 | -$704 | -32.2% |
| Illinois | $1,626 | -$558 | -25.5% |
| Indiana | $1,646 | -$538 | -24.6% |
| Iowa | $1,476 | -$708 | -32.4% |
| Kansas | $2,072 | -$112 | -5.1% |
| Kentucky | $2,978 | $794 | 36.4% |
| Louisiana | $3,232 | $1,048 | 48.0% |
| Maine | $1,350 | -$834 | -38.2% |
| Maryland | $1,800 | -$384 | -17.6% |
| Massachusetts | $1,744 | -$440 | -20.1% |
| Michigan | $3,790 | $1,606 | 73.5% |
| Minnesota | $1,828 | -$356 | -16.3% |
| Mississippi | $2,614 | $430 | 19.7% |
| Missouri | $1,936 | -$248 | -11.4% |
| Montana | $2,344 | $160 | 7.3% |
| Nebraska | $1,718 | -$466 | -21.3% |
| Nevada | $2,616 | $432 | 19.8% |
| New Hampshire | $1,572 | -$612 | -28.0% |
| New Jersey | $2,438 | $254 | 11.6% |
| New Mexico | $1,932 | -$252 | -11.5% |
| New York | $2,298 | $114 | 5.2% |
| North Carolina | $1,256 | -$928 | -42.5% |
| North Dakota | $1,786 | -$398 | -18.2% |
| Ohio | $1,508 | -$676 | -31.0% |
| Oklahoma | $2,238 | $54 | 2.5% |
| Oregon | $2,000 | -$184 | -8.4% |
| Pennsylvania | $2,080 | -$104 | -4.8% |
| Rhode Island | $2,912 | $728 | 33.3% |
| South Carolina | $1,976 | -$208 | -9.5% |
| South Dakota | $1,840 | -$344 | -15.8% |
| Tennessee | $1,910 | -$274 | -12.5% |
| Texas | $2,630 | $446 | 20.4% |
| Utah | $1,616 | -$568 | -26.0% |
| Vermont | $1,494 | -$690 | -31.6% |
| Virginia | $1,310 | -$874 | -40.0% |
| Washington | $1,686 | -$498 | -22.8% |
| West Virginia | $2,002 | -$182 | -8.3% |
| Wisconsin | $1,512 | -$672 | -30.8% |
| Wyoming | $1,944 | -$240 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW M440i Gran Coupe | $502 | $960 | $534 | $2,214 |
| 2023 BMW M440i Gran Coupe | $482 | $952 | $546 | $2,198 |
| 2022 BMW M440i Gran Coupe | $466 | $930 | $570 | $2,184 |
| 2021 BMW M440i Gran Coupe | $450 | $890 | $588 | $2,146 |
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 Right BMW M440i Gran Coupe Insurance
Finding cheaper rates on insurance for a BMW M440i Gran Coupe takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick rundown of the data that was presented in the illustrations above.
- Drivers can save around $270 per year just by quoting early and online
- Insureds who purchase an increased level of liability coverage will pay an extra $630 each year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $671 each month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $2,570 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $8,054 |
| 20 | $5,072 |
| 30 | $2,288 |
| 40 | $2,184 |
| 50 | $1,994 |
| 60 | $1,956 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,802 |
| $250 | $2,512 |
| $500 | $2,184 |
| $1,000 | $1,866 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,184 |
| 50/100 | $2,298 |
| 100/300 | $2,441 |
| 250/500 | $2,811 |
| 100 CSL | $2,355 |
| 300 CSL | $2,669 |
| 500 CSL | $2,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,538 |
| 20 | $8,082 |
| 30 | $4,866 |
| 40 | $4,750 |
| 50 | $4,532 |
| 60 | $4,492 |
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 | $118 |
| Multi-vehicle | $115 |
| Homeowner | $31 |
| 5-yr Accident Free | $169 |
| 5-yr Claim Free | $143 |
| Paid in Full/EFT | $105 |
| Advance Quote | $112 |
| Online Quote | $157 |
| Total Discounts | $950 |
Discounts are estimated and may not be available from every company or in every state.
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