2020 BMW 440i Car Insurance Calculator

Discover and learn how changes to risk factors and vehicle options impact the cost of insurance for a 2020 BMW 440i. Modify choices like coverage amounts, annual mileage, vehicle usage, and driver gender. Get instant feedback if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2020 BMW 440i is $2,796 per year, or about $233 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

$2,796

Cost Per Month

$233

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 2020 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.

$2,796
Average Rate
Your Rate
$2,796

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 2020 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 2020 BMW 440i is $2,796.

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.

2020 BMW 440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW 440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$910
2Lexus RC 300$2,168-$628
3Mercedes-Benz SLC300$2,230-$566
4Lexus ES 350$2,238-$558
5Lincoln MKZ$2,248-$548
6Mercedes-Benz AMG CLA45$2,268-$528
7Jaguar XE$2,272-$524
8Lexus IS 300$2,276-$520
9Audi A3$2,316-$480
10Cadillac CT5$2,354-$442
11Audi S5$2,414-$382
12Lexus GS 350$2,478-$318
13Mercedes-Benz E350$2,488-$308
14Lexus ES 300H$2,526-$270
15Audi S4$2,550-$246
16BMW 530i$2,558-$238
17BMW 540i$2,582-$214
18Mercedes-Benz CLA250$2,598-$198
19Genesis G80$2,604-$192
20Audi A6$2,614-$182
21Mercedes-Benz E450$2,644-$152
22BMW 430i$2,666-$130
23Mercedes-Benz CLS450$2,700-$96
24Jaguar XF$2,702-$94
2020 Midsize Luxury Car Average$2,704-$92
25BMW 440i$2,796--
26Mercedes-Benz AMG C43$2,804$8
27Mercedes-Benz SL450$2,822$26
28Audi RS 5$2,838$42
29Audi S6$2,898$102
30Infiniti Q50$2,926$130
31BMW 530e$2,942$146
32Lexus GS F$3,016$220
33Mercedes-Benz AMG C63$3,056$260
34BMW M550i$3,110$314
35Mercedes-Benz SL550$3,136$340
36Tesla Model S$3,192$396
37Audi A7$3,236$440
38Lexus LC 500H$3,320$524
39Audi S7$3,444$648
40BMW M8$3,448$652
41BMW M5$3,494$698

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.

2020 440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW 440i Insurance Rates by Trim Level
2020 BMW 440i Trim Level Annual Premium Cost Per Month
xDrive Gran Coupe$2,638$220
Gran Coupe$2,682$224
Gran Coupe Luxury$2,682$224
Gran Coupe Sport$2,682$224
xDrive Gran Coupe Luxury$2,700$225
xDrive Gran Coupe Sport$2,700$225
Convertible$2,726$227
Sport Convertible$2,726$227
xDrive Convertible$2,770$231
xDrive Sport Convertible$2,834$236
Coupe$2,912$243
Executive Coupe$2,912$243
Sport Coupe$2,912$243
xDrive Coupe$2,934$245
xDrive Executive Coupe$2,998$250
xDrive Sport Coupe$2,998$250

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 2020 BMW 440i for different driver ages.

2020 BMW 440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,982$832
17$9,718$810
18$8,791$733
19$7,962$664
20$6,108$509
21$5,823$485
22$5,223$435
23$4,241$353
24$4,026$336
25$3,262$272
30$2,994$250
35$2,872$239
40$2,796$233
45$2,612$218
50$2,466$206
55$2,306$192
60$2,314$193
65$2,474$206
70$2,658$222
75$3,118$260
80$3,854$321

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.