BMW M440i Insurance Cost for 2022

How much does BMW M440i insurance cost? We compared insurance rates from the base M440i Coupe to the xDrive Convertible trim level to see how average prices rank against the midsize luxury car segment.

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  • Car insurance rates for a BMW M440i average $1,926 per year or around $161 per month.
  • With an insurance cost range of $54, the cheapest M440i trim level to insure is the base Coupe at around $1,900 per year, and the most expensive trim being the xDrive Convertible at $1,954 annually.
  • Out of 38 vehicles in the 2022 midsize luxury car segment, the M440i ranks #20 for auto insurance affordability.

How much does BMW M440i insurance cost?

The average driver should plan on paying around $1,926 yearly to insure a BMW M440i, which is about $161 a month.

Estimated prices for individual policy coverages include liability/medical at around $476 a year, comprehensive coverage at about $528, and the remaining collision coverage at an estimated $922.

The price summary chart below breaks down average insurance cost per year on a 2022 BMW M440i for different policy risk scenarios. For our comparison, the average cost is the rate for the 40-year-old safe driver.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on April 20, 2022
BMW M440i Insurance Cost Summary
BMW M440i Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,344$362
Safe Driver Age 20$3,808$317
At-fault Accidents Age 40$2,690$224
Low Deductibles Age 40$2,564$214
Safe Driver Age 30$2,046$171
Safe Driver Age 40$1,926$161
Safe Driver Age 50$1,750$146
Safe Driver Age 60$1,716$143
Discount Rate Age 40$1,602$134
High Deductibles Age 40$1,596$133

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.

2022 BMW M440i Insurance Cost by Trim Level
BMW M440i Trim Level Annual Policy 6-month Policy Per Month
Coupe$1,900$950$158
Gran Coupe$1,922$961$160
xDrive Coupe$1,930$965$161
Convertible$1,932$966$161
xDrive Convertible$1,954$977$163

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 BMW M440i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 19, 2022
BMW M440i Insurance Cost by Trim Level

How do BMW M440i car insurance prices compare?

The 2022 BMW M440i ranks #20 out of 38 comparison vehicles in the midsize luxury car segment for insurance affordability. The M440i costs an estimated $1,926 per year for full coverage car insurance, while the segment average cost is $2,003 annually, a difference of $77 per year.

When compared to popular vehicles in the midsize luxury car segment, auto insurance rates for a BMW M440i cost $146 more per year than the Lexus ES 350, $50 more than the BMW 530i, and $278 less than the Infiniti Q50.

The table below ranks the average cost of insurance for all 38 midsize luxury car models for the 2022 model year.

Insurance Cost Comparison: BMW M440i vs Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura ILX$1,392-$534
2Lexus RC 300$1,676-$250
3Mercedes-Benz AMG CLA35$1,716-$210
4BMW i4$1,726-$200
5Cadillac CT5$1,732-$194
6Audi A3$1,750-$176
7Mercedes-Benz AMG CLA45$1,756-$170
8Mercedes-Benz CLA250$1,768-$158
9Lexus ES 250$1,772-$154
10Lexus IS 300$1,774-$152
11Lexus ES 350$1,780-$146
12Genesis G80$1,816-$110
13Audi S5$1,840-$86
14BMW 530i$1,876-$50
15Lexus ES 300h$1,882-$44
16Mercedes-Benz E350$1,896-$30
17BMW 530e$1,912-$14
18BMW 540i$1,914-$12
19Audi S4$1,924-$2
20BMW M440i$1,926--
21Mercedes-Benz E450$1,932$6
22Audi A6$1,986$60
23Jaguar XF$1,990$64
24Lexus IS 500$2,014$88
25BMW 430i$2,034$108
26Mercedes-Benz CLS450$2,050$124
27Audi RS 5$2,150$224
28Mercedes-Benz AMG C43$2,166$240
29Audi S6$2,182$256
30Infiniti Q50$2,204$278
31Mercedes-Benz AMG C63$2,234$308
32BMW M550i$2,320$394
33Audi A7$2,378$452
34Tesla Model S$2,416$490
35Lexus LC 500h$2,448$522
36Audi S7$2,570$644
37BMW M8$2,586$660
38BMW M5$2,618$692

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Insurance Cost Comparison: BMW M440i vs Midsize Luxury Cars