Complete Guide to BMW 440i Insurance: Rates & Insights for 2025

How much does car insurance for a BMW 440i cost? We analyze rates from the base convertibles up to the xDrive Coupes to see how insurance prices rank against the midsize luxury car market.

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  • BMW 440i insurance cost averages $2,894 per year or around $241 per month.
  • Car insurance rates range from $2,730 to $3,100 annually on average, depending on trim level.
  • Ranked 22nd out of 34 other models in the midsize luxury car class, car insurance rates for the BMW 440i cost $81 more per year than the average cost for the segment, so essentially the same.

How much does BMW 440i car insurance cost?

BMW 440i car insurance rates cost an average of $2,894 annually, or about $241 each month. On average, expect to pay about $81 more each year for BMW 440i insurance as compared to the average rate for midsize luxury cars, and $673 more per year than the $2,221 national average.

The cost summary chart below shows how 440i insurance prices change based on driver age and the policy deductibles chosen.

The costs shown are per year, and vary from the cheapest rate of $1,996 per year for a driver age 60 with $1,000 physical damage deductibles to the highest cost of $6,928 each year for a driver age 20 with $250 physical damage deductibles.

Average 2021 BMW 440i car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 BMW 440i car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2021 model year BMW 440i. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 BMW 440i Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,910$409
$500$5,890$491
$250$6,928$577
30-Year-Old$1,000$2,564$214
$500$3,100$258
$250$3,660$305
40-Year-Old$1,000$2,402$200
$500$2,894$241
$250$3,410$284
50-Year-Old$1,000$2,126$177
$500$2,550$213
$250$2,994$250
60-Year-Old$1,000$1,996$166
$500$2,394$200
$250$2,810$234

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 BMW 440i. Updated June 27, 2025

The rate table below details average BMW 440i car insurance rates for the 2017 to 2021 model years. Annual insurance prices for the average 40-year-old driver range from $2,234 to $2,894.

BMW 440i Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 BMW 440i$5,890$2,894$2,394
2020 BMW 440i$5,690$2,796$2,314
2019 BMW 440i$5,076$2,498$2,064
2018 BMW 440i$4,726$2,334$1,928
2017 BMW 440i$4,520$2,234$1,846

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 BMW 440i trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2017 to 2021 BMW 440i models for drivers age 20, 40 and 60
Average insurance rates for 2017 to 2021 BMW 440i models for drivers age 20, 40 and 60

The next table displays average annual and semi-annual policy costs, including a monthly budget figure, for each 2021 BMW 440i trim level.

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. Updated June 26, 2025

Insurance cost by trim level for a 2021 BMW 440i ranging from the xDrive Gran Coupe model at $2,730 per year to the xDrive Sport Coupe model at $3,100
Insurance cost by trim level for a 2021 BMW 440i ranging from the xDrive Gran Coupe model at $2,730 per year to the xDrive Sport Coupe model at $3,100

Is BMW 440i insurance expensive?

The BMW 440i ranks 22nd out of 34 total comparison vehicles in the midsize luxury car class for auto insurance affordability. The 440i costs an estimated $2,894 per year to insure for full coverage and the class average is $2,813 annually, a difference of $81 per year.

When compared directly to other 2021 midsize luxury car models, car insurance rates for a BMW 440i cost $584 more per year than the Lexus ES 350, $256 more than the BMW 530i, and $122 less than the Infiniti Q50.

The chart displayed below shows how 440i insurance rates compare to the top 10 selling midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. In addition to the chart, a larger table is included after the chart that details average insurance rates for the entire midsize luxury car category.

Average 2021 BMW 440i car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2021 BMW 440i car insurance premium compared to other midsize luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2021 model year BMW 440i. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all BMW 440i trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

BMW 440i Insurance Cost Compared to All Midsize Luxury Cars
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
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 vehicle from the 2021 model year. Updated June 27, 2025

Other rates and possible discounts

Below are some additional example rates for different insurance scenarios along with some possible discounts to look for on your next policy.

  • BMW 440i insurance rates for teenagers are high. Average rates for full coverage 440i insurance costs $10,314 per year for a 16-year-old driver, $10,048 per year for a 17-year-old driver, $9,104 per year for an 18-year-old driver, and $8,238 per year for a 19-year-old driver.
  • Expect to pay a lot for high-risk insurance. For a 50-year-old driver, the requirement to buy a high-risk policy can potentially increase rates by $3,432 or more per year.
  • Qualify for policy discounts to lower insurance cost. Discounts may be available if the policyholders work in certain occupations, are senior citizens, are loyal customers, belong to certain professional organizations, take a defensive driving course, or many other policy discounts which could save the average driver as much as $492 per year on the cost of insuring a 440i.
  • The gender of the driver affects insurance cost. For a 2021 BMW 440i, a 20-year-old male driver pays an estimated $5,890 per year, while a 20-year-old female driver pays an average of $4,196, a difference of $1,694 per year. The females get the cheaper rate by far. But by age 50, the male rate is $2,550 and the rate for females is $2,492, a difference of only $58.
  • Avoid traffic tickets to pay less. If you want to get the lowest-priced 440i insurance rates, it pays to drive within the law. In fact, just a few moving violations could result in spiking the cost of a policy as much as $778 per year. Serious moving violations such as driving under the influence or reckless driving could raise rates by an additional $2,724 or more.
  • Your job could reduce your rates. Most auto insurance companies offer policy discounts for specific professions like accountants, firefighters, police officers and law enforcement, dentists, college professors, and others. By earning this discount, you may save between $87 and $217 on your BMW 440i insurance premium.
  • Be a careful driver and save. Multiple at-fault accidents raise rates, possibly by an extra $1,410 per year for a 30-year-old driver and even $860 per year for a 50-year-old driver.