Three-litre cars are rarely cheap to insure in Singapore. The BMW 440i Gran Coupe M Sport is a partial exception. Its lowest premium sits below most of the similar cars on its price page. The spread above that lowest price, though, is very wide.
This guide covers the COE, road tax and insurance, then sets the car against its rivals. Premiums are examples for one stated driver, as of 1 November 2026.
What the price page covers
The new-car list has no entry for the 440i Gran Coupe M Sport on sale now. There is no list price, power figure or body type to report.
The price page prices the BMW 440i Gran Coupe M Sport with a 2,998cc engine. It is the one version on the quote form.
COE category
The price page puts it in Category B, as its 2,998cc engine is above 1,600cc. Category B closed at S$131,901 in the October 2026 2nd round.
A car already on the road carries the COE it has. When that ends, the owner renews it or deregisters the car. The COE page shows later rounds.
Road tax on 2,998cc
Road tax rises steeply for engines near three litres. For 2,998cc, LTA's formula gives S$2,382.76 a year, before any age surcharge. For many owners, that will be a larger yearly bill than insurance.
A surcharge is added past 10 years:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page has other engine sizes.
Insurance: the standard driver's spread
The BMW 440i Gran Coupe M Sport price page prices one profile. The car is 3 years old, for private use, with comprehensive cover. The driver is 40, married, in an office job, with 10 years' driving. The record shows a 50% no-claim discount (NCD) and no claims. Repairs are at an authorised workshop, with no options.
On those details, 6 insurers price it:
- Lowest premium: S$1,061.44 a year, with a S$600 excess
- Next two: S$1,511.68 and S$1,528.59, with excesses of S$1,200 and S$3,000
- Dearest insurer's price: S$4,901.23, which is S$3,839.79 more, or 362% on top
All prices include 9% GST. The page lists 13 insurers with no online price, so 6 of 19 quote it.
The lowest price stands well apart from the rest. The second-lowest is several hundred dollars dearer. Excesses run from S$0 to S$3,000, so read each one with its premium.
What moves the price
- No NCD (0%): S$2,075.01, which is S$1,013.57 more
- 20% NCD: S$1,661.03, S$599.59 more
- Driver aged 27, 3 years' driving, 30% NCD: S$2,170.79, S$1,109.35 more
- Driver aged 65, 20 years' driving: S$1,159.93, S$98.49 more, with 5 insurers
- A new car, registered this year: S$1,093.38, S$31.94 more, with 5 insurers
- A car 8 years old: S$1,010.32, S$51.12 less
The young driver pays 105% more than the standard driver. The NCD is close behind. The car's age matters little, and all 6 insurers still quote at 8 years.
Against its rivals
The price page lists six cars with engines near three litres, for the same driver and car age.
Audi Q7
The Audi Q7 starts at S$1,002.60, with 14 insurers. It is the one rival cheaper to insure, and it draws more than twice as many insurers.
Audi A8
The Audi A8 starts at S$1,092.69, from 11 insurers. Its lowest premium is close to the 440i's, with a wider field.
Audi S4 Saloon
The Audi S4 Saloon starts at S$1,209.34, from 8 insurers.
Audi Q8
The Audi Q8 starts at S$1,323.18, also from 8 insurers.
Audi Roadjet Concept
The Audi Roadjet Concept starts at S$1,524.39, from just 1 insurer.
Alfa Romeo 166
The Alfa Romeo 166 starts at S$2,897.48, from 2 insurers. It is the dearest of the group.
How they compare at a glance
- BMW 440i Gran Coupe M Sport: from S$1,061.44, 6 insurers
- Audi Q7: from S$1,002.60, 14 insurers
- Audi A8: from S$1,092.69, 11 insurers
- Audi S4 Saloon: from S$1,209.34, 8 insurers
- Audi Q8: from S$1,323.18, 8 insurers
- Audi Roadjet Concept: from S$1,524.39, 1 insurer
- Alfa Romeo 166: from S$2,897.48, 2 insurers
The rivals average S$1,508.28. The 440i Gran Coupe M Sport costs 30% less than that. Only one rival is cheaper to insure. Other BMW models are on the BMW car insurance page.
Costs that follow your habits
- Parking: season parking at home and work, plus short stays.
- Petrol: set by your mileage and pump prices.
- ERP: depends on your routes and when you drive.
- Servicing and wear: for a car off the new-car list, ask for the service history and what has been replaced.
- Depreciation: turns on what you pay and how much COE is left.
Summary of yearly costs we can show
For the BMW 440i Gran Coupe M Sport, 2,998cc:
- Road tax: S$2,382.76 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,061.44 a year (as of 1 November 2026)
- Insurance, no NCD: from S$2,075.01
- Insurance, driver aged 27: from S$2,170.79
- Insurance, a car 8 years old: from S$1,010.32
For reference, a Category B COE closed at S$131,901 in the October 2026 2nd round. The new-car list has no entry for this model, so no list price is given.
Before you buy: car insurance for the BMW 440i Gran Coupe M Sport
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW 440i Gran Coupe M Sport to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.