BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a BMW M440i Gran Coupe are $2,198 a year including full coverage. Comprehensive insurance costs around $482, collision insurance costs $952, and liability insurance costs $546. A liability-only policy costs as little as $630 a year, and high-risk insurance costs $4,778 or more. Teenage drivers pay the most at up to $8,060 a year.
Average premium for full coverage: $2,198
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different M440i Gran Coupe trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a BMW M440i Gran Coupe range 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.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on 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.
Additional Rate Analysis
The chart below breaks down average BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,240
- Drivers who choose higher $1,000 deductibles will pay about $324 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $2,198
- Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $636 a year
- High risk drivers who are prone to accidents and violations could pay at least $4,778
- An auto insurance policy for full coverage for a teen driver with full coverage can be $8,060 a year
Auto insurance prices for a BMW M440i Gran Coupe also have a wide range based on your driving characteristics, the model of your M440i Gran Coupe, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could 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, where even good drivers will have to pay as much as $8,000 a year. View Rates by Age
Where you choose to live makes a big difference in BMW M440i Gran Coupe insurance rates. A 40-year-old driver could pay as low as $1,680 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $3,130 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could save up to $960 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $492 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $2,600 to $3,500 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than a normal policy. 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
Finding better rates on BMW M440i Gran Coupe insurance not only requires avoiding accidents and violations, but also having good credit, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a brief review of the ideas that were touched on in the above illustrations.
- Teenagers are expensive to insure, with the cost nearing $672 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $2,580 more every year for car insurance
- Increasing policy deductibles can save around $950 each year
- You may be able to save up to $270 per year just 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.
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