BMW M440i Gran Coupe Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a BMW M440i Gran Coupe are $2,198 every 12 months including full coverage. Comprehensive insurance costs approximately $482, collision insurance costs $952, and liability coverage is estimated at $546. Buying just liability costs approximately $630 a year, and insurance for high-risk drivers costs $4,778 or more. Teenage drivers receive the highest rates at up to $8,060 a year.
Average premium for full coverage: $2,198
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different M440i Gran Coupe trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $630 for a discount liability-only rate to a much higher rate of $4,778 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using average rates.
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.
Rates by State, City, and Model
The chart below breaks down average BMW M440i Gran Coupe insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,240
- Choosing higher $1,000 deductibles can save $324 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $2,198
- Using more expensive low deductibles for comp and collision coverage costs an extra $636 each year
- Drivers who are prone to accidents and violations could pay around $4,778
- The cost to insure a teenage driver with full coverage can cost $8,060 each year
Auto insurance rates for a BMW M440i Gran Coupe can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your M440i Gran Coupe.
Using high physical damage deductibles can save as much as $960 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $492 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $2,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $8,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $2,600 to $3,500 in extra premium per year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for BMW M440i Gran Coupe insurance rates. A good driver about age 40 could pay as low as $1,680 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $3,130 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Shop for the Cheapest BMW M440i Gran Coupe Insurance
Saving money on auto insurance takes being safe and accident-free, having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
Below you'll find a recap of the data covered in the charts and tables above.
- Consumers who purchase more liability protection will pay an extra $600 per year to raise limits from a minimum limit to a 250/500 level
- You may be able to save around $270 per year just by shopping early and online
- Increasing deductibles could save as much as $950 each year
- Youthful drivers have the highest car insurance rates, as much as $672 per month if comprehensive and collision insurance is included
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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