2023 BMW M440i Car Insurance Calculator

Watch in real-time how different factors impact the insurance cost for a 2023 BMW M440i. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if the change you make has positive or negative consequenses.

The average estimated car insurance premium for a 2023 BMW M440i is $3,052 per year, or about $254 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

$3,052

Cost Per Month

$254

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 M440i 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 2023 BMW M440i.

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.

$3,052
Average Rate
Your Rate
$3,052

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 2023 BMW M440i 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 2023 BMW M440i is $3,052.

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.

2023 BMW M440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2023 BMW M440i against all other models in the midsize luxury car segment. The BMW M440i 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 M440i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M440i.

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

2023 BMW M440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$602
2Lexus ES 350$2,460-$592
3Lexus ES 250$2,472-$580
4Lexus RC 300$2,482-$570
5Mercedes-Benz AMG CLA35$2,488-$564
6Audi A3$2,492-$560
7Mercedes-Benz AMG CLA45$2,546-$506
8Mercedes-Benz CLA250$2,554-$498
9Lexus IS 300$2,568-$484
10Jaguar XF$2,578-$474
11Audi S4$2,628-$424
12BMW i4$2,636-$416
13Mercedes-Benz E350$2,654-$398
14Lexus ES 300h$2,690-$362
15BMW 530i$2,742-$310
16Audi A6$2,798-$254
17Audi S5$2,802-$250
18BMW 540i$2,808-$244
19BMW 430i$2,856-$196
20Lexus IS 500$2,858-$194
21Mercedes-Benz E450$2,886-$166
22Genesis G80$2,892-$160
2023 Midsize Luxury Car Average$2,899-$153
23Mercedes-Benz CLS450$2,968-$84
24Mercedes-Benz EQE 350$2,988-$64
25Audi RS 5$2,996-$56
26BMW 530e$3,014-$38
27Audi S6$3,044-$8
28Mercedes-Benz AMG C43$3,048-$4
29BMW M440i$3,052--
30Mercedes-Benz EQE 500$3,056$4
31Audi A7$3,176$124
32Infiniti Q50$3,180$128
33Lexus LC 500h$3,414$362
34BMW M550i$3,420$368
35Tesla Model S$3,498$446
36Audi S7$3,520$468
37BMW M5$3,624$572
38BMW M8$3,824$772

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.

2023 M440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 BMW M440i.

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.

2023 BMW M440i Insurance Rates by Trim Level
2023 BMW M440i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,992$249
Coupe$3,014$251
xDrive Gran Coupe$3,044$254
xDrive Coupe$3,064$255
Convertible$3,088$257
xDrive Convertible$3,126$261

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 2023 BMW M440i for different driver ages.

2023 BMW M440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,751$896
17$10,496$875
18$9,559$797
19$8,637$720
20$6,648$554
21$6,341$528
22$5,700$475
23$4,615$385
24$4,386$366
25$3,560$297
30$3,274$273
35$3,134$261
40$3,052$254
45$2,842$237
50$2,686$224
55$2,508$209
60$2,518$210
65$2,690$224
70$2,878$240
75$3,354$280
80$4,140$345

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 M440i trim levels.