2018 BMW 440i Car Insurance Calculator

Explore and understand how seemingly small changes impact the insurance cost for a 2018 BMW 440i. Customize rate factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately how and why rates change based on your selections.

The average estimated car insurance premium for a 2018 BMW 440i is $2,334 per year, or about $195 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,334

Cost Per Month

$195

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW 440i Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 BMW 440i.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,334
Average Rate
Your Rate
$2,334

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 BMW 440i trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 BMW 440i is $2,334.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 BMW 440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 440i against all other models in the midsize luxury car segment. The BMW 440i is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW 440i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 440i.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 BMW 440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$578
2Lexus IS 300$1,908-$426
3Lexus RC 300$1,992-$342
4Mercedes-Benz SLC300$2,058-$276
5Lexus ES 350$2,062-$272
6Mercedes-Benz AMG CLA45$2,076-$258
7Audi S5$2,114-$220
8Audi A3$2,126-$208
9Mercedes-Benz CLA250$2,136-$198
10Mercedes-Benz C350E$2,146-$188
11Lincoln MKZ$2,158-$176
12Mercedes-Benz E300$2,162-$172
13Lexus ES 300H$2,170-$164
14Genesis G80$2,174-$160
15BMW 430i$2,190-$144
16Audi A6$2,212-$122
17Audi S4$2,224-$110
18Lexus GS 300$2,260-$74
19Jaguar XE$2,262-$72
20Lexus GS 350$2,282-$52
21BMW 530i$2,288-$46
22BMW 540xi$2,298-$36
23BMW 540i$2,304-$30
24BMW 440i$2,334--
25Jaguar XF$2,354$20
26Mercedes-Benz AMG C43$2,410$76
27Mercedes-Benz SL450$2,430$96
28Mercedes-Benz E400$2,442$108
29Infiniti Q50$2,450$116
2018 Midsize Luxury Car Average$2,459$125
30BMW 530e$2,460$126
31Audi RS 5$2,490$156
32Mercedes-Benz AMG E43$2,500$166
33BMW 530xi$2,504$170
34BMW M550i$2,582$248
35Mercedes-Benz AMG C63$2,634$300
36BMW 640xi$2,642$308
37Audi S6$2,662$328
38BMW 640i$2,712$378
39Mercedes-Benz SL550$2,762$428
40Lexus GS F$2,772$438
41Tesla Model S$2,810$476
42Lexus LC 500H$2,834$500
43Audi A7$2,844$510
44BMW 650xi$2,848$514
45Audi S7$3,022$688
46BMW M5$3,034$700
47BMW M6$3,228$894
48Mercedes-Benz SL63 AMG$3,280$946
49Mercedes-Benz SL65 AMG$4,084$1,750

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 440i.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 BMW 440i Insurance Rates by Trim Level
2018 BMW 440i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,208$184
Gran Coupe xDrive$2,264$189
Convertible$2,298$192
xDrive Convertible$2,314$193
Coupe$2,422$202
xDrive Coupe$2,500$208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 BMW 440i for different driver ages.

2018 BMW 440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,277$690
17$8,060$672
18$7,299$608
19$6,610$551
20$5,073$423
21$4,841$403
22$4,342$362
23$3,531$294
24$3,347$279
25$2,714$226
30$2,496$208
35$2,392$199
40$2,334$195
45$2,176$181
50$2,058$172
55$1,924$160
60$1,928$161
65$2,062$172
70$2,212$184
75$2,588$216
80$3,192$266

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW 440i trim levels.