- Car insurance rates for a BMW M440i average $3,286 per year or around $274 per month.
- With an insurance cost range of $446, the cheapest M440i trim level to insure is the base Gran Coupe at around $3,172 per year, and the most expensive trim being the xDrive Convertible at $3,618 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 $3,286 yearly to insure a BMW M440i, which is about $274 a month.
Estimated prices for individual policy coverages include liability/medical at around $708 a year, comprehensive coverage at about $842, and the remaining collision coverage at an estimated $1,736.
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.
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Gran Coupe | $3,172 | $264 |
| Coupe | $3,180 | $265 |
| xDrive Gran Coupe | $3,220 | $268 |
| xDrive Coupe | $3,230 | $269 |
| Convertible | $3,298 | $275 |
| xDrive Convertible | $3,618 | $302 |
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
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 $3,286 per year for full coverage car insurance, while the segment average cost is $2,944 annually, a difference of $342 per year.
When compared to popular vehicles in the midsize luxury car segment, auto insurance rates for a BMW M440i cost $780 more per year than the Lexus ES 350, $370 more than the BMW 530i, and $570 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,468 | -$818 |
| 2 | Lexus IS 300 | $2,474 | -$812 |
| 3 | Lexus ES 350 | $2,506 | -$780 |
| 4 | Mercedes-Benz AMG CLA35 | $2,516 | -$770 |
| 5 | Lexus RC 300 | $2,522 | -$764 |
| 6 | Jaguar XF | $2,538 | -$748 |
| 7 | Cadillac CT5 | $2,586 | -$700 |
| 8 | Lexus ES 250 | $2,596 | -$690 |
| 9 | Lexus ES 300h | $2,634 | -$652 |
| 10 | Audi A3 | $2,698 | -$588 |
| 11 | Infiniti Q50 | $2,716 | -$570 |
| 12 | Mercedes-Benz AMG CLA45 | $2,748 | -$538 |
| 13 | Audi S4 | $2,760 | -$526 |
| 14 | Mercedes-Benz EQE 350 | $2,792 | -$494 |
| 15 | BMW i4 | $2,800 | -$486 |
| 16 | Lexus IS 500 | $2,836 | -$450 |
| 17 | BMW 530i | $2,916 | -$370 |
| 18 | Audi S5 | $2,958 | -$328 |
| 19 | BMW 540i | $2,974 | -$312 |
| 20 | BMW 430i | $3,014 | -$272 |
| 21 | BMW i5 | $3,030 | -$256 |
| 22 | Genesis G80 | $3,046 | -$240 |
| 23 | Mercedes-Benz EQE 500 | $3,080 | -$206 |
| 24 | Mercedes-Benz AMG C43 | $3,102 | -$184 |
| 25 | Audi A6 | $3,108 | -$178 |
| 26 | Tesla Model S | $3,146 | -$140 |
| 27 | BMW 530e | $3,176 | -$110 |
| 28 | Audi RS 5 | $3,180 | -$106 |
| 29 | Audi S6 | $3,204 | -$82 |
| 30 | BMW M440i | $3,286 | -- |
| 31 | Audi A7 | $3,346 | $60 |
| 32 | Lexus LC 500h | $3,592 | $306 |
| 33 | Audi S7 | $3,710 | $424 |
| 34 | BMW M8 | $4,044 | $758 |
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 October 24, 2025
