BMW M440i Gran Coupe Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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
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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