BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a BMW M440i Gran Coupe are $2,184 every 12 months for full coverage insurance. Comprehensive costs an estimated $466, collision costs $930, and liability costs $570. A policy with only liability insurance costs as little as $650 a year, with a high-risk policy costing around $4,750. Teenage drivers pay the most at $8,054 a year or more.
Average premium for full coverage: $2,184
Premium estimates broken down by type of coverage:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all M440i Gran Coupe models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a BMW M440i Gran Coupe go from the cheapest price of $650 for just liability coverage to the much higher price of $4,750 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.
The example below illustrates how geographic area affects insurance prices.
These rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, instead of using 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.
Detailed Rate Analysis
The chart below illustrates estimated BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The best discount rate is $1,234
- Drivers who choose higher $1,000 deductibles will pay approximately $318 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $2,184
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $2,802
- Higher-risk drivers who are prone to accidents and violations could pay up to $4,750 or more
- An auto insurance policy to insure a teen driver for full coverage can cost as much as $8,054 a year
Car insurance prices for a BMW M440i Gran Coupe also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles could save up to $940 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $2,000 per year on average, or $167 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $8,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $2,600 to $3,500 extra annually, depending on your age. BMW M440i Gran Coupe insurance for high-risk drivers can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in BMW M440i Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,430 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,940 on average in Florida, New York, 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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.
| 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 Shop for Cheap BMW M440i Gran Coupe Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief summary of the data that was presented in the illustrations above.
- It is possible to save approximately $270 per year simply by quoting online well ahead of the renewal date
- Policyholders who want additional liability coverage will pay an extra $630 annually to go from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $671 per month if the policy includes full coverage
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $2,570 more annually than a driver with a clean driving record
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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