BMW M440i Gran Coupe Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a BMW M440i Gran Coupe are $2,198 a year with full coverage. Comprehensive costs around $482, collision costs $952, and liability costs $546. Liability-only coverage costs as little as $630 a year, with high-risk coverage costing around $4,778. 16-year-old drivers receive the highest rates at $8,060 a year or more.
Average premium for full coverage: $2,198
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 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
For a 40-year-old driver, prices range go from as low as $630 for just the minimum liability insurance to a much higher rate of $4,778 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities.
The price range example below illustrates how your location can change auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate 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 additional coverage choices and driver risks.
- The best full coverage rate is $1,240
- Drivers who choose higher $1,000 deductibles will pay about $324 annually
- The average rate for a 40-year-old driver using $500 deductibles is $2,198
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,834
- Drivers with multiple tickets or accidents could pay at least $4,778 or more
- The cost for full coverage for a 16-year-old driver with full coverage can be $8,060 a year
Car insurance rates for a BMW M440i Gran Coupe can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $2,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $8,000 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 $1,580 a year in states like New Hampshire, Ohio, and Utah, or at least $2,960 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $960 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $492 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $2,600 to $3,500 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes 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 Right BMW M440i Gran Coupe Insurance
Saving money on insurance for a BMW M440i Gran Coupe not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a quick rundown of the ideas that were illustrated above.
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $672 per month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $2,580 more every year than a driver with a clean driving record
- Increasing deductibles can save around $950 each year
- You may be able to save up to $270 per year simply by shopping early and online
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
