How Much Does Insurance Cost for a BMW M440i? Rates & Insights for 2025

How much is BMW M440i insurance?

We investigated the average insurance cost for the cheapest Gran Coupe trim up to the top level xDrive Convertible model to discover how insurance for a M440i compares to the midsize luxury car segment.

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  • Car insurance rates for a BMW M440i average $3,206 per year or around $267 per month.
  • With an insurance cost range of $432, the cheapest M440i trim level to insure is the base Gran Coupe at around $3,098 per year, and the most expensive trim being the xDrive Convertible at $3,530 annually.
  • Out of 34 vehicles in the 2024 midsize luxury car segment, the M440i ranks 30th for auto insurance affordability.

How much does BMW M440i insurance cost?

The average driver should plan on paying around $3,206 yearly to insure a BMW M440i, which is about $267 a month.

Estimated prices for individual policy coverages include liability/medical at around $690 a year, comprehensive coverage at about $822, and the remaining collision coverage at an estimated $1,694.

The price summary chart below breaks down average insurance cost per year on a 2024 BMW M440i for different policy risk scenarios. For our comparison, the average cost is the rate for the 40-year-old safe driver.

Average 2024 BMW M440i insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 BMW M440i insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year BMW M440i with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW M440i trim levels.

2024 BMW M440i Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,388$616
Safe Driver Age 20$6,488$541
At-fault Accidents Age 40$4,516$376
Low Deductibles Age 40$4,324$360
Safe Driver Age 30$3,440$287
Safe Driver Age 40$3,206$267
Safe Driver Age 50$2,818$235
Discount Rate Age 40$2,664$222
Safe Driver Age 60$2,642$220
High Deductibles Age 40$2,636$220

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 BMW M440i trim levels. Updated June 27, 2025

The table below details the estimated yearly and semi-annual policy costs, including a monthly budget figure, for each BMW M440i package and trim level.

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. Updated June 27, 2025

Insurance cost by trim level for a 2024 BMW M440i ranging from the Gran Coupe model at $3,098 per year to the xDrive Convertible model at $3,530
Insurance cost by trim level for a 2024 BMW M440i ranging from the Gran Coupe model at $3,098 per year to the xDrive Convertible model at $3,530

How do BMW M440i car insurance prices compare?

The 2024 BMW M440i ranks 30th out of 34 comparison vehicles in the midsize luxury car segment for insurance affordability. The M440i costs an estimated $3,206 per year for full coverage car insurance, while the segment average cost is $2,874 annually, a difference of $332 per year.

When compared to popular vehicles in the midsize luxury car segment, auto insurance rates for a BMW M440i cost $760 more per year than the Lexus ES 350, $358 more than the BMW 530i, and $556 more than the Infiniti Q50.

The table below ranks the average cost of insurance for all 34 midsize luxury car models for the 2024 model year.

Insurance Cost Comparison: BMW M440i vs Midsize Luxury Cars
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
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 vehicle from the 2024 model year. Updated June 26, 2025

At $3,206 per year, insurance cost for a 2024 BMW M440i ranks 30th out of 34 models in the midsize luxury car segment
At $3,206 per year, insurance cost for a 2024 BMW M440i ranks 30th out of 34 models in the midsize luxury car segment