- BMW 440i insurance cost averages $2,968 per year or around $247 per month.
- Car insurance rates range from $2,796 to $3,176 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 $87 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 $2,968 annually, or about $247 each month. On average, expect to pay about $87 more each year for BMW 440i insurance as compared to the average rate for midsize luxury cars, and $692 more per year than the $2,276 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 $2,044 per year for a driver age 60 with $1,000 physical damage deductibles to the highest cost of $7,098 each year for a driver age 20 with $250 physical damage deductibles.
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 $2,286 to $2,968.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 BMW 440i | $6,032 | $2,968 | $2,450 |
| 2020 BMW 440i | $5,830 | $2,870 | $2,368 |
| 2019 BMW 440i | $5,196 | $2,558 | $2,114 |
| 2018 BMW 440i | $4,842 | $2,390 | $1,978 |
| 2017 BMW 440i | $4,628 | $2,286 | $1,894 |
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 October 24, 2025
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| xDrive Gran Coupe | $2,796 | $233 |
| Gran Coupe | $2,842 | $237 |
| Gran Coupe Luxury | $2,842 | $237 |
| Gran Coupe Sport | $2,842 | $237 |
| xDrive Gran Coupe Luxury | $2,860 | $238 |
| xDrive Gran Coupe Sport | $2,860 | $238 |
| Convertible | $2,894 | $241 |
| Sport Convertible | $2,894 | $241 |
| xDrive Convertible | $2,940 | $245 |
| xDrive Sport Convertible | $3,006 | $251 |
| Coupe | $3,084 | $257 |
| Executive Coupe | $3,084 | $257 |
| Sport Coupe | $3,084 | $257 |
| xDrive Coupe | $3,110 | $259 |
| xDrive Executive Coupe | $3,176 | $265 |
| xDrive Sport Coupe | $3,176 | $265 |
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 October 24, 2025
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 $2,968 per year to insure for full coverage and the class average is $2,881 annually, a difference of $87 per year.
When compared directly to other 2021 midsize luxury car models, car insurance rates for a BMW 440i cost $602 more per year than the Lexus ES 350, $264 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura ILX | $1,994 | -$974 |
| 2 | Lexus RC 300 | $2,294 | -$674 |
| 3 | Lexus ES 350 | $2,366 | -$602 |
| 4 | Mercedes-Benz AMG CLA45 | $2,378 | -$590 |
| 5 | Lexus IS 300 | $2,406 | -$562 |
| 6 | Audi A3 | $2,444 | -$524 |
| 7 | Cadillac CT5 | $2,486 | -$482 |
| 8 | Audi S5 | $2,552 | -$416 |
| 9 | Mercedes-Benz E350 | $2,630 | -$338 |
| 10 | Lexus ES 300H | $2,670 | -$298 |
| 11 | Audi S4 | $2,694 | -$274 |
| 12 | BMW 530i | $2,704 | -$264 |
| 13 | BMW 540i | $2,734 | -$234 |
| 14 | Mercedes-Benz CLA250 | $2,748 | -$220 |
| 15 | Genesis G80 | $2,758 | -$210 |
| 16 | Audi A6 | $2,764 | -$204 |
| 17 | Mercedes-Benz E450 | $2,800 | -$168 |
| 18 | BMW 430i | $2,820 | -$148 |
| 19 | Jaguar XF | $2,824 | -$144 |
| 20 | Mercedes-Benz CLS450 | $2,856 | -$112 |
| 21 | Mercedes-Benz AMG C43 | $2,952 | -$16 |
| 22 | BMW 440i | $2,968 | -- |
| 23 | Audi RS 5 | $2,996 | $28 |
| 24 | Audi S6 | $3,064 | $96 |
| 25 | Infiniti Q50 | $3,090 | $122 |
| 26 | BMW 530e | $3,108 | $140 |
| 27 | Mercedes-Benz AMG C63 | $3,234 | $266 |
| 28 | BMW M550i | $3,300 | $332 |
| 29 | Tesla Model S | $3,380 | $412 |
| 30 | Audi A7 | $3,426 | $458 |
| 31 | Lexus LC 500H | $3,516 | $548 |
| 32 | Audi S7 | $3,650 | $682 |
| 33 | BMW M8 | $3,662 | $694 |
| 34 | BMW M5 | $3,700 | $732 |
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 October 24, 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 $10,568 per year for a 16-year-old driver, $10,295 per year for a 17-year-old driver, $9,329 per year for an 18-year-old driver, and $8,440 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 $3,512 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 $508 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 $6,032 per year, while a 20-year-old female driver pays an average of $4,294, a difference of $1,738 per year. The females get the cheaper rate by far. But by age 50, the male rate is $2,616 and the rate for females is $2,554, a difference of only $62.
- 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 $792 per year. Serious moving violations such as driving under the influence or reckless driving could raise rates by an additional $2,786 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 $89 and $222 on your BMW 440i insurance premium.
- Be a careful driver and save. Multiple at-fault accidents raise rates, possibly by an extra $1,442 per year for a 30-year-old driver and even $880 per year for a 50-year-old driver.