2019 BMW 440i Car Insurance Calculator

Understand how the choices you make influence insurance rates for a 2019 BMW 440i. Experiment with annual miles driven, vehicle usage, driver gender, and your marital status to see the impact on rates. Find out instantly if the choices you make are positive or negative.

The average estimated car insurance premium for a 2019 BMW 440i is $2,498 per year, or about $208 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

$2,498

Cost Per Month

$208

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 2019 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.

$2,498
Average Rate
Your Rate
$2,498

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 2019 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 2019 BMW 440i is $2,498.

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.

2019 BMW 440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 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.

2019 BMW 440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$648
2Lexus IS 300$2,006-$492
3Lexus RC 300$2,094-$404
4Lexus ES 350$2,140-$358
5Lincoln MKZ$2,166-$332
6Mercedes-Benz SLC300$2,188-$310
7Mercedes-Benz AMG CLA45$2,198-$300
8Audi A3$2,236-$262
9Mercedes-Benz CLA250$2,260-$238
10Audi S5$2,264-$234
11Mercedes-Benz E300$2,274-$224
12Genesis G80$2,290-$208
13Lexus ES 300H$2,312-$186
14BMW 430i$2,328-$170
15Lexus GS 300$2,368-$130
16Audi A6$2,378-$120
17Audi S4$2,390-$108
18Lexus GS 350$2,396-$102
19Mercedes-Benz CLS450$2,410-$88
20BMW 540i$2,442-$56
21BMW 530i$2,444-$54
22Mercedes-Benz E450$2,474-$24
23Jaguar XF$2,484-$14
2019 Midsize Luxury Car Average$2,497-$1
24BMW 440i$2,498--
25Mercedes-Benz AMG C43$2,552$54
26Mercedes-Benz SL450$2,560$62
27BMW 530e$2,598$100
28Infiniti Q50$2,614$116
29BMW M550i$2,726$228
30Audi RS 5$2,738$240
31BMW 640i$2,772$274
32Mercedes-Benz AMG C63$2,782$284
33Tesla Model S$2,788$290
34Lexus GS F$2,914$416
35Mercedes-Benz SL550$2,922$424
36Audi A7$2,946$448
37Lexus LC 500H$2,974$476
38BMW M5$3,134$636
39BMW M6$3,472$974

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.

2019 440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW 440i Insurance Rates by Trim Level
2019 BMW 440i Trim Level Annual Premium Cost Per Month
Gran Coupe xDrive$2,378$198
Gran Coupe$2,420$202
Convertible$2,422$202
xDrive Convertible$2,542$212
Coupe$2,600$217
xDrive Coupe$2,624$219

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 2019 BMW 440i for different driver ages.

2019 BMW 440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,862$739
17$8,641$720
18$7,852$654
19$7,096$591
20$5,451$454
21$5,198$433
22$4,666$389
23$3,779$315
24$3,589$299
25$2,906$242
30$2,674$223
35$2,560$213
40$2,498$208
45$2,324$194
50$2,198$183
55$2,054$171
60$2,064$172
65$2,204$184
70$2,364$197
75$2,762$230
80$3,412$284

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.