BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a BMW M440i Gran Coupe are $2,184 annually with full coverage. Comprehensive insurance costs around $466, collision costs $930, and liability coverage is $570. Liability-only coverage costs around $650 a year, with high-risk coverage costing $4,750 or more. 16-year-old drivers pay the highest rates at $8,054 a year or more.
Average premium for full coverage: $2,184
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different M440i Gran Coupe trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, BMW M440i Gran Coupe insurance prices go from as cheap as $650 for the bare minimum liability coverage to a much higher rate of $4,750 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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.
Additional Rate Information
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
- Raising to $1,000 deductibles will save about $318 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $2,184
- Buying more expensive low deductibles costs an additional $618 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $4,750 or more
- The price with full coverage for a teenage driver with full coverage can be $8,054
Auto insurance prices for a BMW M440i Gran Coupe are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $2,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $8,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $2,600 to $3,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $940 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $513 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on BMW M440i Gran Coupe insurance rates. A middle-age driver might find prices 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.
| 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% |
Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
| 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 Buy Low Cost BMW M440i Gran Coupe Insurance
Getting lower rates on auto insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a review of the concepts that were touched on in the above illustrations.
- Drivers who have several accidents or serious violations may pay on average $2,570 more every year to insure a BMW M440i Gran Coupe
- Drivers under the age of 20 are expensive to insure, costing up to $671 a month if full coverage is included
- You may be able to save up to $270 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $925 each year
- You may be able to save up to $270 per year simply by shopping early and online
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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