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BMW 440xi Car Insurance Cost 2025

On average, insuring a BMW 440xi costs $1,198 per year. However, the actual cost may vary depending on factors like your age, the model year of the car, and other personal details. You can use our quote tables below to estimate 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 440xi, one important aspect to consider is the cost of insurance. On average, insurance for a BMW 440xi costs $1,198 per year. 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 A BMW 440xi Car Insurance Cost?

BMW 440xi drivers typically pay an average of $1,198 per year for car insurance.

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.

Average Insurance Cost Of BMW 440xi By Model Year

Model Year	Average Premium
2020 BMW 440xi	$2,151
2019 BMW 440xi	$1,959
2018 BMW 440xi	$1,629
2017 BMW 440xi	$1,995

2020 BMW 440xi Insurance Rates

The average annual insurance cost for a 2020 BMW 440xi is $2,151. However, Safeco offers the cheapest rates, averaging $1,198 per year.

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

The average annual insurance cost for a 2019 BMW 440xi is $1,959. However, New Jersey Manufacturers offers the cheapest rates, averaging $930 per year.

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

Find Affordable BMW 440xi Insurance Rates

2018 BMW 440xi Insurance Rates

The average annual insurance cost for a 2018 BMW 440xi is $1,629. However, Safeco offers the cheapest rates, averaging $539 per year.

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

The average annual insurance cost for a 2017 BMW 440xi is $1,995. However, Mercury Insurance offers the cheapest rates, averaging $1,238 per year.

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

Find Affordable BMW 440xi Insurance Rates

Common BMW 440xi Insurance Discounts

Discounts are a great way to reduce your car insurance costs. While each insurance provider offers unique discounts, here are some common ones you may be eligible for:

Multi-policy: Bundling your home and auto insurance with one provider can often result in a discounted rate.
Pay annually: Paying your premium in full, rather than monthly installments, can sometimes earn you a discount.
Defensive driving: Completing a certified defensive driving course can qualify you for reduced rates.

There may be other discounts available, so it’s a good idea to speak with your insurance agent to find out which ones you qualify for.

Compare BMW 440xi To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from leading auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage car insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual figures may vary based on your individual 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 440xi?

Yes, you will need to provide proof of insurance before driving your BMW 440xi off the dealership lot. The best approach is to purchase a policy beforehand and notify your insurance company that you’re about to buy your car, rather than opting for insurance through the dealership.

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

The best way to find the lowest rates for your BMW 440xi is by shopping around and comparing quotes from different auto insurance companies. Luckily, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.