BMW M440i Gran Coupe Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a BMW M440i Gran Coupe are $2,184 a year for full coverage. Comprehensive costs around $466, collision insurance costs $930, and liability is $570. A liability-only policy costs around $650 a year, and high-risk insurance costs around $4,750. Teen drivers pay the most at up to $8,054 a year.

Average premium for full coverage: $2,184

Premium estimates for type of coverage:

Comprehensive $466
Collision $930
Liability $570

Rates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all M440i Gran Coupe models.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a BMW M440i Gran Coupe range from as low as $650 for minimum levels of liability insurance to the much higher price of $4,750 for a high risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The example below illustrates the effect of location on auto insurance rates.

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

These rate differences show why everyone should compare rates quotes for a specific zip code and risk profile, 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 shows average BMW M440i Gran Coupe insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,234
  • Raising to $1,000 deductibles will save about $318 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $2,184
  • Choosing pricier low deductibles will increase the cost to $2,802
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $4,750
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $8,054

View Chart as Image

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

Auto insurance prices for a BMW M440i Gran Coupe also have a wide range based on your driving characteristics, the trim level of your M440i Gran Coupe, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as little as $2,000 every 12 months on average, or $167 per month, for full coverage. Prices are highest 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 also has a big influence on BMW M440i Gran Coupe insurance prices. A middle-age driver might find prices as low as $1,440 a year in states like Idaho, Maine, and Iowa, or as much as $3,110 on average in Michigan, Louisiana, 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

Choosing high deductibles can reduce prices by up to $940 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $513 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $2,600 to $3,500 in extra premium annually, depending on your age. BMW M440i Gran Coupe insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than average. View High Risk Driver Rates

BMW M440i Gran Coupe Insurance Rates by Model Year
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 Cheaper BMW M440i Gran Coupe Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and possibly raising deductibles. Take the time to shop around at least every two years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a summary of the information that was covered in this article.

  • Increasing policy deductibles can save around $925 each year
  • Drivers can save up to $270 per year just by quoting online well ahead of the renewal date
  • Policyholders who may need higher liability limits will pay about $630 each year to raise from 30/60 bodily injury limits to 250/500 limits
  • Teens are expensive to insure, as much as $671 per month if they have full coverage
  • Higher risk drivers that have multiple accidents or serious violations may be required to pay an average of $2,570 more every year for M440i Gran Coupe insurance

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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