BMW 440i Car Insurance Cost 2025
On average, insuring a BMW 440i costs $2,100 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.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average annual cost to insure a BMW 440i is approximately $2,100, though prices can vary significantly based on factors like your location, age, driving record, and selected coverage levels. As a high-performance luxury vehicle, the 440i typically comes with higher premiums due to its powerful engine, upscale features, and increased repair costs. Insurance providers also consider the vehicle’s theft risk and safety ratings when determining rates. While some drivers may pay closer to $1,600 annually, others could see quotes exceeding $2,400. Comparing quotes from multiple insurers is key to finding the most competitive rate for a BMW 440i.
How Much Does BMW 440i Car Insurance Cost?
BMW 440i drivers typically pay an average of $2,100 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 |
| 2025 BMW 440i | $2,058 |
| 2020 BMW 440i | $2,136 |
| 2019 BMW 440i | $1,964 |
| 2018 BMW 440i | $1,628 |
| 2017 BMW 440i | $1,990 |
2025 BMW 440i Insurance Rates
The average annual insurance cost for a 2025 BMW 440i is $2,058. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,013 per year.
| Insurance Company | Average Annual Cost |
|---|---|
| Liberty Mutual | $1,659 |
| Plymouth Rock Assurance | $2,186 |
| Grange Mutual | $2,334 |
| New Jersey Manufacturers | $1,013 |
| SECURA Insurance | $2,245 |
| Country Financial | $2,400 |
| Safety Group | $2,306 |
| Pekin Insurance | $2,018 |
| Norfolk and Dedham Group | $2,431 |
| Penn National | $1,987 |
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
Are BMW 440Is Expensive To Insure?
Yes, BMW 440i models are generally expensive to insure. As a luxury performance vehicle, the 440i combines high repair costs, powerful engine options, and a higher theft risk—factors that typically drive up insurance premiums. Drivers may also face increased rates due to the car’s classification as a sports coupe, which insurers often associate with higher-risk driving behavior. While rates can vary based on location, driving history, and coverage levels, owners should expect above-average insurance costs compared to non-luxury vehicles. Shopping around and comparing quotes is essential to find the best rate for a BMW 440i.
Cheapest Car Insurance Companies For A BMW 440i
The table presents estimated monthly premiums for a 2025 BMW 440i from various insurance companies. California Capital and CSAA have the highest premiums at $189.00, while Safeco offers the lowest at $97.00. Mercury and National General are in the mid-range with $157.00 and $99.00 respectively. This comparison provides insight into insurance costs for those looking to insure a BMW 440i.
| Companies | Average Monthly Rates |
|---|---|
| California Capital | $189 |
| Mercury | $157 |
| National General | $99 |
| Safeco | $97 |
| CSAA | $189 |
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?
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530 Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
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.
Quotes Analyzed
Brands Reviewed
Research Hours
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.
