BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW M440i Gran Coupe are $2,198 a year with full coverage. Comprehensive costs an estimated $482 a year, collision insurance costs $952, and liability is estimated at $546. Liability-only coverage costs approximately $630 a year, and high-risk coverage costs around $4,778. Teen drivers pay the highest rates at up to $8,060 a year.
Average premium for full coverage: $2,198
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and M440i Gran Coupe trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, BMW M440i Gran Coupe insurance prices range from as low as $630 for minimum levels of liability insurance to a high of $4,778 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why it is important to get quotes 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 Details
The chart below details average BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,240
- Choosing higher $1,000 deductibles can save approximately $1,874 annually
- The average rate for the average middle-age driver who has $500 deductibles is $2,198
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $2,834
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,778
- The price for full coverage for a 16-year-old driver can cost as much as $8,060 each year
Auto insurance prices for a BMW M440i Gran Coupe are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as low as $2,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $8,000 a year. View Rates by Age
The state you live in 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 $1,580 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 can save as much as $960 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $492 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $2,600 to $3,500 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than average. View High Risk Driver Rates
| 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 Affordable BMW M440i Gran Coupe Insurance
Getting lower rates on insurance for a BMW M440i Gran Coupe takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a brief review of the coverage data raised in the charts and tables above.
- You may be able to save approximately $270 per year just by quoting early and online
- Increasing physical damage deductibles can save around $950 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $672 a month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,580 more annually to insure a BMW M440i Gran Coupe
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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