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 $2,198 annually with full coverage. Comprehensive insurance costs approximately $482 each year, collision costs $952, and liability coverage costs $546. Liability-only coverage costs as little as $630 a year, with high-risk coverage costing $4,778 or more. Teen drivers pay the highest rates at $8,060 a year or more.
Average premium for full coverage: $2,198
Price estimates by individual coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and M440i Gran Coupe models.
Price Range from Low to High
For a driver in their 40's, BMW M440i Gran Coupe insurance prices go from as cheap as $630 for minimum levels of liability insurance to a high rate of $4,778 for a high-risk driver policy.
Geographic Price Range
Your location has a large influence on the price of insurance. Rural locations have fewer collision claims than larger metro areas.
The graphic below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than 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 details estimated BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,240
- Drivers who choose higher $1,000 deductibles will pay $324 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $2,198
- Choosing low deductibles for comprehensive and collision insurance costs an additional $636 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $4,778 or more
- The price with full coverage for a teenage driver can cost $8,060 a year
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 physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $2,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $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 anywhere from $2,600 to $3,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $960 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $492 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in BMW M440i Gran Coupe insurance rates. A 40-year-old driver could pay as low as $1,580 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,960 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and quoted prices may be quite different between companies.
| 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 Buy the Best Cheap BMW M440i Gran Coupe Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the information covered in the charts and tables above.
- You may be able to save around $270 per year simply by quoting online in advance
- Teens have the highest car insurance prices, costing up to $672 a month if full coverage is included
- Increasing physical damage deductibles could save up to $950 each year
- Drivers with a DUI or reckless driving violation may pay on average $2,580 more per year for M440i Gran Coupe insurance
- Consumers who purchase higher liability limits will pay about $600 every year to go from a low limit to higher 250/500 limits
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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