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BMW 440i Car Insurance Cost 2025

On average, insuring a BMW 440i costs $1,177 per year. However, the actual cost may vary based on factors such as your age, the model year of the car, and other personal details. You can use our quote tables below to get an estimate of your specific insurance costs.

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Updated: 04 January 2025

Written by Bob Phillips

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If you’re considering purchasing a BMW 440i, it’s important to consider the cost of insurance. On average, insurance for a BMW 440i costs $1,177 per year. Insurance plays a significant role in car ownership, and understanding the financial aspect is crucial before making a decision.

Selecting the right car insurance is vital to prevent unexpected and potentially costly surprises in the future. It’s essential 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 noticed a significant variation in these costs. Your age, driving history, and location are all significant factors that can influence your insurance premiums.

How Much Does A BMW 440i Car Insurance Cost?

BMW 440i drivers typically pay an average of $1,177 per year for car insurance.

While Pekin Insurance’s rate provides a useful reference, 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 usually leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also affects 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.

Average Insurance Cost Of BMW 440i By Model Year

Model Year	Average Premium
2020 BMW 440i	$2,136
2019 BMW 440i	$1,964
2018 BMW 440i	$1,628
2017 BMW 440i	$1,990

2020 BMW 440i Insurance Rates

The average annual insurance cost for a 2020 BMW 440i is $2,136. However, National General offers the cheapest rates, averaging $1,177 per year.

Insurance Provider	Average Annual Cost
Mercury	$1,910
Mercury Insurance	$2,404
Allied	$2,762
USAA	$2,498
Safeco	$1,145
Hartford	$2,414
Farmers	$2,539
California Capital	$2,253
National General	$1,177
CSAA	$2,261

2019 BMW 440i Insurance Rates

The average annual insurance cost for a 2019 BMW 440i is $1,964. However, New Jersey Manufacturers offers the cheapest rates, averaging $947 per year.

Insurance Provider	Average Annual Cost
Pekin Insurance	$1,944
Penn National	$1,886
Grange Mutual	$2,200
Country	$2,307
Liberty Mutual	$1,617
Norfolk and Dedham Group	$2,274
SECURA Insurance	$2,147
Plymouth Rock Assurance	$2,100
Safety Group	$2,214
New Jersey Manufacturers	$947

Find Affordable BMW 440i Insurance Rates

2018 BMW 440i Insurance Rates

The average annual insurance cost for a 2018 BMW 440i is $1,628. However, Safeco offers the cheapest rates, averaging $559 per year.

Insurance Provider	Average Annual Cost
Buckeye Insurance Group	$1,385
Auto-Owners Insurance Co	$2,103
Grange Mutual	$1,446
Texas Farm Bureau Group	$1,135
Mercury Insurance Company	$1,312
Republic Indemnity	$2,335
Plymouth Rock	$2,083
American Family	$2,010
Safeco	$559
Hastings Mutual Insurance Co	$1,910

2017 BMW 440i Insurance Rates

The average annual insurance cost for a 2017 BMW 440i is $1,628. However, Mercury Insurance offers the cheapest rates, averaging $1,150 per year.

Insurance Provider	Average Annual Cost
Mercury Insurance	$1,150
American Family	$2,266
USAA	$2,629
Country	$2,433
Farm Bureau Mutual (IA Group)	$1,250
Direct Auto	$1,817
Auto-Owners Insurance Co	$1,305
Clearcover	$2,696
Permanent General	$1,729
Travelers	$2,628

Find Affordable BMW 440i Insurance Rates

Common BMW 440i Insurance Discounts

Discounts are an excellent way to reduce your car insurance costs. While each provider offers unique discounts, here are some common ones you can check for eligibility:

Multi-policy: Bundling your home and auto insurance with the same provider can often result in a discounted rate.
Pay annually: If you pay your premium in full instead of monthly installments, you may qualify for a discount.
Defensive driving: Completing a certified defensive driving course can make you eligible for lower premiums.

Other discounts may also be available. Be sure to talk to your insurance agent to find out which discounts apply to you.

Compare BMW 440i To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual rates you may receive can vary depending on your personal details and circumstances.

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Quotes Analyzed

Brands Reviewed

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Research Hours

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Years Of Experience

FAQs

Do You Need Insurance Before You Can Purchase A BMW 440i?

Yes, you will need to provide proof of insurance before driving your BMW 440i off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than getting insurance through the dealership.

How Can You Get The Cheapest Insurance For Your BMW 440i?

The best way to find the lowest rates for your BMW 440i is by shopping around and comparing quotes from different auto insurance providers. Fortunately, Insuranceopedia allows you to compare quotes from multiple companies directly on our website.