2024 BMW M440i Car Insurance Calculator

Watch in real-time how changes to different risk factors impact the insurance cost for a 2024 BMW M440i. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2024 BMW M440i is $3,206 per year, or about $267 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

$3,206

Cost Per Month

$267

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 2024 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.

$3,206
Average Rate
Your Rate
$3,206

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 2024 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 2024 BMW M440i is $3,206.

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.

2024 BMW M440i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2024 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.

2024 BMW M440i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$796
2Lexus IS 300$2,414-$792
3Lexus ES 350$2,446-$760
4Mercedes-Benz AMG CLA35$2,456-$750
5Lexus RC 300$2,462-$744
6Jaguar XF$2,476-$730
7Cadillac CT5$2,526-$680
8Lexus ES 250$2,534-$672
9Lexus ES 300h$2,572-$634
10Audi A3$2,634-$572
11Infiniti Q50$2,650-$556
12Mercedes-Benz AMG CLA45$2,682-$524
13Audi S4$2,692-$514
14Mercedes-Benz EQE 350$2,724-$482
15BMW i4$2,734-$472
16Lexus IS 500$2,770-$436
17BMW 530i$2,848-$358
2024 Midsize Luxury Car Average$2,874-$332
18Audi S5$2,890-$316
19BMW 540i$2,900-$306
20BMW 430i$2,940-$266
21BMW i5$2,960-$246
22Genesis G80$2,976-$230
23Mercedes-Benz EQE 500$3,008-$198
24Mercedes-Benz AMG C43$3,024-$182
25Audi A6$3,036-$170
26Tesla Model S$3,070-$136
27BMW 530e$3,100-$106
28Audi RS 5$3,106-$100
29Audi S6$3,128-$78
30BMW M440i$3,206--
31Audi A7$3,268$62
32Lexus LC 500h$3,508$302
33Audi S7$3,624$418
34BMW M8$3,948$742

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.

2024 M440i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 BMW M440i Insurance Rates by Trim Level
2024 BMW M440i Trim Level Annual Premium Cost Per Month
Gran Coupe$3,098$258
Coupe$3,104$259
xDrive Gran Coupe$3,146$262
xDrive Coupe$3,154$263
Convertible$3,218$268
xDrive Convertible$3,530$294

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 2024 BMW M440i for different driver ages.

2024 BMW M440i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,235$936
17$10,980$915
18$10,017$835
19$9,047$754
20$6,972$581
21$6,650$554
22$5,983$499
23$4,842$404
24$4,604$384
25$3,740$312
30$3,440$287
35$3,292$274
40$3,206$267
45$2,986$249
50$2,818$235
55$2,632$219
60$2,642$220
65$2,824$235
70$3,016$251
75$3,506$292
80$4,322$360

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.