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BMW 440xi Car Insurance Cost

Obtaining insurance for a BMW 440xi usually costs around $1,198 per year with Safeco. However, the final expense can differ depending on factors such as your age, the vehicle’s model year, and other relevant aspects. You can utilize the quote tables below to obtain a personalized estimate of your potential insurance costs.

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Updated: 07 October 2024

Written by Bob Phillips

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If you’re considering purchasing a BMW 440xi, one important aspect to consider is the cost of insurance. Insurance is a significant aspect of car ownership, and it’s vital to grasp the financial commitment before finalizing your decision.

Selecting the appropriate car insurance is essential to prevent unforeseen and potentially costly surprises down the road. It’s crucial to have adequate coverage in case of an accident to avoid substantial out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.

Based on over ten years of experience studying car insurance rates, I’ve observed significant variations in these costs. Your age, driving history, and location are all significant factors that can influence your insurance premiums.

How Much Does BMW 440xi Car Insurance Cost?

Usually, Safeco offers the most attractive option, with an annual rate of approximately $1,198 for comprehensive insurance on a 2020 BMW 440xi.

While Direct Auto’s rate provides a useful benchmark, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, while a history of accidents or traffic violations can increase rates.

Additionally, living in a busy urban area typically leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.

At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.

2020 BMW 440xi Insurance Rates

Insurance Provider	Average Annual Cost
Mercury	$1,853
Safeco	$1,198
Hartford	$2,409
Allied	$2,736
Farmers	$2,614
Mercury Insurance	$2,419
National General	$1,231
USAA	$2,531
CSAA	$2,232
California Capital	$2,283

2019 BMW 440xi Insurance Rates

Insurance Provider	Average Annual Cost
Country	$2,304
Safety Group	$2,235
Liberty Mutual	$1,622
Norfolk and Dedham Group	$2,293
SECURA Insurance	$2,101
Penn National	$1,884
Grange Mutual	$2,258
Pekin Insurance	$1,892
Plymouth Rock Assurance	$2,069
New Jersey Manufacturers	$930

2018 BMW 440xi Insurance Rates

Insurance Provider	Average Annual Cost
Safeco	$539
Hastings Mutual Insurance Co	$1,854
Plymouth Rock	$2,107
Republic Indemnity	$2,267
Mercury Insurance Company	$1,314
Auto-Owners Insurance Co	$2,137
Buckeye Insurance Group	$1,401
American Family	$2,060
Grange Mutual	$1,379
Texas Farm Bureau Group	$1,227

2017 BMW 440xi Insurance Rates

Insurance Provider	Average Annual Cost
Clearcover	$2,697
Direct Auto	$1,806
USAA	$2,624
Travelers	$2,653
Mercury Insurance	$1,238
Permanent General	$1,690
Auto-Owners Insurance Co	$1,336
American Family	$2,218
Farm Bureau Mutual (IA Group)	$1,268
Country	$2,418

Compare BMW 440xi To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

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Quotes Analyzed

Brands Reviewed

40+

Research Hours

15+

Years Of Experience