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 $2,184 a year for full coverage insurance. Comprehensive costs on average $466, collision insurance costs $930, and liability coverage costs around $570. Buying just liability costs as low as $650 a year, and insurance for high-risk drivers costs around $4,750. Teens receive the highest rates at up to $8,054 a year.
Average premium for full coverage: $2,184
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all M440i Gran Coupe models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $650 for your basic liability-only policy to the much higher price of $4,750 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why everyone should compare prices based on a specific location, rather than 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.
More Rate Information
The chart below illustrates average BMW M440i Gran Coupe insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,234
- Using higher $1,000 deductibles will save around $318 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $2,184
- Selecting pricier low deductibles for physical damage coverage bumps up the cost to $2,802
- Higher-risk drivers with serious driving violations could pay upwards of $4,750
- The cost that insures a teenage driver for full coverage may cost $8,054 or more
Auto insurance rates for a BMW M440i Gran Coupe can also vary considerably based on the model of your M440i Gran Coupe, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $2,600 to $3,500 in extra premium per year, depending on your age. BMW M440i Gran Coupe insurance for high-risk drivers can be around 43% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $2,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $8,000 a year. View Rates by Age
Where you live has a huge impact on BMW M440i Gran Coupe insurance rates. A driver around age 40 might see rates as low as $1,430 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,940 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $940 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $513 extra every year. View Rates by Deductible or Liability Limit
| 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 Find the Best Cheap BMW M440i Gran Coupe Insurance
Saving money on auto insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick review of the information covered above.
- It is possible to save as much as $270 per year just by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers are charged the highest rates, costing up to $671 per month if the policy includes full coverage
- Increasing deductibles can save approximately $925 each year
- Drivers with a DUI or reckless driving violation may pay on average $2,570 more each year than a driver with a clean driving record
- Consumers who require additional liability coverage will pay approximately $630 annually to increase from a minimum limit to the 250/500 level
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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