BMW M440i Gran Coupe Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a BMW M440i Gran Coupe are $2,146 a year for full coverage insurance. Comprehensive costs an estimated $450 a year, collision insurance costs $890, and liability costs $588. Liability-only insurance costs as little as $664 a year, and high-risk driver insurance costs around $4,670. Teens pay the highest rates at up to $7,966 a year.
Average premium for full coverage: $2,146
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and M440i Gran Coupe trim levels.
Price Range from Low to High
For the normal driver, BMW M440i Gran Coupe insurance prices range from the low end price of $664 for basic liability insurance to a high of $4,670 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below illustrates average BMW M440i Gran Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,214
- Drivers who choose higher $1,000 deductibles will pay approximately $1,842 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $2,146
- Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,740
- Drivers with serious driving violations could pay up to $4,670
- The price that insures a 16-year-old driver can cost as much as $7,966 a year
Car insurance prices for a BMW M440i Gran Coupe are also quite variable based on the trim level of your M440i Gran Coupe, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $2,500 to $3,500 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $2,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $7,900 a year. View Rates by Age
The state you live in 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,890 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $900 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $529 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find Cheap BMW M440i Gran Coupe Insurance
Getting lower rates on insurance for a BMW M440i Gran Coupe not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The points below are a brief summary of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 have the highest car insurance prices, as much as $664 a month if full coverage is purchased
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $2,520 more annually to insure a BMW M440i Gran Coupe
- Increasing physical damage deductibles can save approximately $900 each year
- It is possible to save approximately $260 per year just by quoting early and online
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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