BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a BMW M440i Gran Coupe are $2,146 annually for full coverage insurance. Comprehensive insurance costs around $450, collision insurance costs $890, and liability costs $588. Buying just liability costs as little as $664 a year, and insurance for high-risk drivers costs $4,670 or more. Teen drivers cost the most to insure at up to $7,966 a year.
Average premium for full coverage: $2,146
Policy rates for type of insurance:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different M440i Gran Coupe trim levels.
Price Range Variability
For the average 40-year-old driver, BMW M440i Gran Coupe insurance rates range from as cheap as $664 for minimum levels of liability insurance to a much higher rate of $4,670 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using 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 illustrates average BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,214
- Drivers who choose higher $1,000 deductibles will pay about $304 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $2,146
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $594 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,670
- Policy cost with full coverage for a teen driver with full coverage can be $7,966 a year
Insurance rates for a BMW M440i Gran Coupe also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $2,000 per year on average, or $167 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $7,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,500 to $3,500 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $900 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $529 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in BMW M440i Gran Coupe insurance prices. A 40-year-old driver could pay as low as $1,400 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,890 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,938 | -$208 | -9.7% |
| Alaska | $1,642 | -$504 | -23.5% |
| Arizona | $1,780 | -$366 | -17.1% |
| Arkansas | $2,146 | -$0 | 0.0% |
| California | $2,446 | $300 | 14.0% |
| Colorado | $2,050 | -$96 | -4.5% |
| Connecticut | $2,206 | $60 | 2.8% |
| Delaware | $2,428 | $282 | 13.1% |
| Florida | $2,682 | $536 | 25.0% |
| Georgia | $1,984 | -$162 | -7.5% |
| Hawaii | $1,540 | -$606 | -28.2% |
| Idaho | $1,454 | -$692 | -32.2% |
| Illinois | $1,598 | -$548 | -25.5% |
| Indiana | $1,618 | -$528 | -24.6% |
| Iowa | $1,452 | -$694 | -32.3% |
| Kansas | $2,036 | -$110 | -5.1% |
| Kentucky | $2,926 | $780 | 36.3% |
| Louisiana | $3,176 | $1,030 | 48.0% |
| Maine | $1,326 | -$820 | -38.2% |
| Maryland | $1,770 | -$376 | -17.5% |
| Massachusetts | $1,716 | -$430 | -20.0% |
| Michigan | $3,726 | $1,580 | 73.6% |
| Minnesota | $1,796 | -$350 | -16.3% |
| Mississippi | $2,568 | $422 | 19.7% |
| Missouri | $1,902 | -$244 | -11.4% |
| Montana | $2,306 | $160 | 7.5% |
| Nebraska | $1,690 | -$456 | -21.2% |
| Nevada | $2,572 | $426 | 19.9% |
| New Hampshire | $1,546 | -$600 | -28.0% |
| New Jersey | $2,400 | $254 | 11.8% |
| New Mexico | $1,898 | -$248 | -11.6% |
| New York | $2,262 | $116 | 5.4% |
| North Carolina | $1,234 | -$912 | -42.5% |
| North Dakota | $1,756 | -$390 | -18.2% |
| Ohio | $1,480 | -$666 | -31.0% |
| Oklahoma | $2,202 | $56 | 2.6% |
| Oregon | $1,966 | -$180 | -8.4% |
| Pennsylvania | $2,044 | -$102 | -4.8% |
| Rhode Island | $2,862 | $716 | 33.4% |
| South Carolina | $1,940 | -$206 | -9.6% |
| South Dakota | $1,810 | -$336 | -15.7% |
| Tennessee | $1,878 | -$268 | -12.5% |
| Texas | $2,586 | $440 | 20.5% |
| Utah | $1,590 | -$556 | -25.9% |
| Vermont | $1,468 | -$678 | -31.6% |
| Virginia | $1,286 | -$860 | -40.1% |
| Washington | $1,656 | -$490 | -22.8% |
| West Virginia | $1,968 | -$178 | -8.3% |
| Wisconsin | $1,486 | -$660 | -30.8% |
| Wyoming | $1,910 | -$236 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 BMW M440i Gran Coupe | $482 | $952 | $546 | $2,198 |
| 2023 BMW M440i Gran Coupe | $466 | $930 | $570 | $2,184 |
| 2022 BMW M440i Gran Coupe | $450 | $890 | $588 | $2,146 |
| 2021 BMW M440i Gran Coupe | $424 | $860 | $606 | $2,108 |
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 Buy More Affordable BMW M440i Gran Coupe Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a summary of the data touched on in this article.
- Policyholders who may need increased levels of liability coverage will pay about $650 annually to go from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $260 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $900 each year
- Drivers age 20 and younger pay higher rates, possibly costing $664 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,966 |
| 20 | $4,984 |
| 30 | $2,246 |
| 40 | $2,146 |
| 50 | $1,960 |
| 60 | $1,924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,740 |
| $250 | $2,462 |
| $500 | $2,146 |
| $1,000 | $1,842 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,146 |
| 50/100 | $2,264 |
| 100/300 | $2,411 |
| 250/500 | $2,793 |
| 100 CSL | $2,322 |
| 300 CSL | $2,646 |
| 500 CSL | $2,881 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $11,400 |
| 20 | $7,944 |
| 30 | $4,780 |
| 40 | $4,670 |
| 50 | $4,456 |
| 60 | $4,418 |
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 | $116 |
| Multi-vehicle | $114 |
| Homeowner | $31 |
| 5-yr Accident Free | $164 |
| 5-yr Claim Free | $141 |
| Paid in Full/EFT | $102 |
| Advance Quote | $110 |
| Online Quote | $154 |
| Total Discounts | $932 |
Discounts are estimated and may not be available from every company or in every state.
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