2021 BMW 440i Car Insurance Calculator

Discover and learn how changes to risk factors and vehicle options impact car insurance rates for a 2021 BMW 440i. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback why rates increase or decrease and by how much.

The average estimated car insurance premium for a 2021 BMW 440i is $2,894 per year, or about $241 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

$2,894

Cost Per Month

$241

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 2021 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.

$2,894
Average Rate
Your Rate
$2,894

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 2021 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 2021 BMW 440i is $2,894.

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.

2021 BMW 440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW 440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$948
2Lexus RC 300$2,240-$654
3Lexus ES 350$2,310-$584
4Mercedes-Benz AMG CLA45$2,322-$572
5Lexus IS 300$2,352-$542
6Audi A3$2,386-$508
7Cadillac CT5$2,428-$466
8Audi S5$2,494-$400
9Mercedes-Benz E350$2,568-$326
10Lexus ES 300H$2,606-$288
11Audi S4$2,630-$264
12BMW 530i$2,638-$256
13BMW 540i$2,668-$226
14Mercedes-Benz CLA250$2,682-$212
15Genesis G80$2,692-$202
16Audi A6$2,698-$196
17Mercedes-Benz E450$2,732-$162
18BMW 430i$2,754-$140
19Jaguar XF$2,756-$138
20Mercedes-Benz CLS450$2,790-$104
2021 Midsize Luxury Car Average$2,813-$81
21Mercedes-Benz AMG C43$2,880-$14
22BMW 440i$2,894--
23Audi RS 5$2,926$32
24Audi S6$2,994$100
25Infiniti Q50$3,016$122
26BMW 530e$3,032$138
27Mercedes-Benz AMG C63$3,158$264
28BMW M550i$3,220$326
29Tesla Model S$3,298$404
30Audi A7$3,344$450
31Lexus LC 500H$3,432$538
32Audi S7$3,562$668
33BMW M8$3,576$682
34BMW M5$3,612$718

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.

2021 440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW 440i Insurance Rates by Trim Level
2021 BMW 440i Trim Level Annual Premium Cost Per Month
xDrive Gran Coupe$2,730$228
Gran Coupe$2,774$231
Gran Coupe Luxury$2,774$231
Gran Coupe Sport$2,774$231
xDrive Gran Coupe Luxury$2,794$233
xDrive Gran Coupe Sport$2,794$233
Convertible$2,826$236
Sport Convertible$2,826$236
xDrive Convertible$2,872$239
xDrive Sport Convertible$2,936$245
Coupe$3,010$251
Executive Coupe$3,010$251
Sport Coupe$3,010$251
xDrive Coupe$3,036$253
xDrive Executive Coupe$3,100$258
xDrive Sport Coupe$3,100$258

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 2021 BMW 440i for different driver ages.

2021 BMW 440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,314$860
17$10,048$837
18$9,104$759
19$8,238$687
20$6,324$527
21$6,030$503
22$5,409$451
23$4,388$366
24$4,166$347
25$3,376$281
30$3,100$258
35$2,972$248
40$2,894$241
45$2,700$225
50$2,550$213
55$2,384$199
60$2,394$200
65$2,558$213
70$2,748$229
75$3,218$268
80$3,980$332

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.