BMW M440i Gran Coupe Insurance Rates

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2021 BMW M440i Gran Coupe Insurance Rates in 2025

If you're shopping for lower-cost insurance online, do you get overwhelmed by the wide range of insurance sources available to you? Many other drivers are too. There are such a large number of options that it can really be a real difficult job to find the perfect company for you. It's a good idea to get comparison quotes on a regular basis because prices are rarely the same from one policy term to...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average insurance rates for a BMW M440i Gran Coupe are $2,184 a year with full coverage. Comprehensive costs around $466 each year, collision costs $930, and liability costs around $570. A liability-only policy costs as low as $650 a year, with high-risk insurance costing around $4,750. 16-year-old drivers cost the most to insure at $8,054 a year or more.

Average premium for full coverage: $2,184

Policy rates for type of insurance:

Comprehensive $466
Collision $930
Liability $570

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and M440i Gran Coupe models.

Price Range Variability

For a 40-year-old driver, BMW M440i Gran Coupe insurance rates go from as low as $650 for a discount liability-only rate to a high rate of $4,750 for a driver that may need high-risk insurance.

Liability Only $650
Full Coverage $2,184
High Risk $4,750

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,638
Small Cities $2,293
Large Cities $2,948

The examples above demonstrate why all drivers should compare prices 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.

Rates by State, City, and Model

The chart below details estimated BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,234
  • Using higher $1,000 deductibles will save about $318 annually
  • The average rate for a good driver age 40 using $500 deductibles is $2,184
  • Buying low deductibles for physical damage coverage will increase the cost to $2,802
  • High-risk insureds with multiple tickets or accidents could pay at least $4,750 or more
  • Policy cost for full coverage for a 16-year-old driver can be $8,054 or more

View Chart as Image

BMW M440i Gran Coupe insurance cost comparison chart
Column chart showing full coverage BMW M440i Gran Coupe insurance rates range from $1,234 to $8,054

Car insurance rates for a BMW M440i Gran Coupe also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $2,000 a year, or $167 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $8,000 a year. View Rates by Age

Your home state has a huge impact on BMW M440i Gran Coupe insurance prices. A driver around age 40 might see rates as low as $1,570 a year in states like New Hampshire, Ohio, and Utah, or at least $2,940 on average in Florida, Michigan, and New York.

BMW M440i Gran Coupe Insurance Rates by State
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%

View Chart as Image

BMW M440i Gran Coupe insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $940 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $2,600 to $3,500 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

BMW M440i Gran Coupe Insurance Rates by Model Year
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

Finding cheaper rates on insurance for a BMW M440i Gran Coupe requires being a low-risk driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the data that was illustrated above.

  • You may be able to save up to $270 per year simply by quoting online in advance
  • Insureds who may need more liability coverage will pay around $630 every year to increase from a 30/60 limit to 250/500 limits
  • Teen drivers are the costliest to insure, as much as $671 each month if full coverage is included
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $2,570 more every year to insure their M440i Gran Coupe

Rates by Driver Age

BMW M440i Gran Coupe Insurance 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

BMW M440i Gran Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,802
$250 $2,512
$500 $2,184
$1,000 $1,866

Full coverage, driver age 40

Rates by Liability Limit

BMW M440i Gran Coupe Insurance Rates with Different Liability Limits
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

BMW M440i Gran Coupe Insurance 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.

SR-22 Surcharge $312

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
Rate after discounts $1,234

Discounts are estimated and may not be available from every company or in every state.

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