440i xDrive Gran Coupe (2017-2020)

Can you afford a 2017-2020 BMW 4 Series 440i xDrive Gran Coupe in 2025?

# 2017-2020 BMW 440i xDrive Gran Coupe The BMW 440i xDrive Gran Coupe blends four-door practicality with sleek coupe styling, powered by a smooth 320-hp turbocharged 3.0-liter inline-six and standard all-wheel drive. This "four-door coupe" offers engaging dynamics that reviewers praise for balanced handling and strong acceleration (0-60 mph in ~4.7 seconds), though some note the ride can be firm. It's well-regarded for its upscale interior, advanced tech, and refined powerplant, but criticized for limited rear headroom due to the sloping roofline and complex infotainment. The model bridges the gap between the practical 3 Series and sportier 4 Series coupe. Today, it suits buyers wanting a premium sports sedan with AWD capability and distinctive styling, ideal for spirited driving and daily commuting alike—provided rear passengers aren't exceptionally tall.

The 2017-2020 BMW 440i xDrive Gran Coupe requires premium fuel and expensive synthetic oil changes. Common issues include valve cover gasket leaks and coolant system problems. Insurance runs higher than average due to luxury classification. Maintenance costs are steep with dealer servicing recommended. The B58 engine is generally reliable, though turbocharger and carbon buildup concerns exist.

Price Range

$32,000 - $42,000

Market price for 2025

Estimated Annual Costs

Insurance:$1,800

Maintenance:$2,800

Affordability Calculator

We have preconfigured our calculator for this vehicle

Enter Your Information

Calculation Type

Vehicle Details

Year

The model year of the vehicle you're considering purchasing.

Make

The manufacturer or brand of the vehicle (e.g., Toyota, Ford, BMW).

Model

The specific model name of the vehicle (e.g., Camry, F-150, X3).

Trim

The trim level or package (e.g., Base, Sport, Limited). Optional but helps with accuracy.

Vehicle Price*

The total purchase price of the vehicle before taxes, fees, and trade-in value.

Payment Method

Additional Details

Loan Parameters

Loan Term (months)

The length of your auto loan in months. Common terms are 36, 48, 60, or 72 months.

Interest Rate (%)

The annual percentage rate (APR) for your auto loan. Check with lenders for current rates.

Down Payment

The amount you'll pay upfront toward the vehicle purchase, reducing the loan amount.

Cost Adjustments

Trade-in Value

The estimated value of your current vehicle if trading it in toward the purchase.

Sales Tax (%)

The sales tax rate percentage charged on vehicle purchases in your location.

Additional Monthly Costs

Insurance

Your estimated monthly auto insurance premium. Get quotes for accurate estimates.

Maintenance

Average monthly cost for maintenance, repairs, and upkeep of the vehicle.

Other Debt Pmts

Your total monthly payments for other debts (credit cards, student loans, etc.).

Why Use This Calculator?

Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.

For Loan Financing:

•Safe Range: Follows the , ensuring you can comfortably afford your car payment
•Stretch Range: A moderate approach that balances affordability with your goals
•Lender Max: What banks typically approve, but may strain your budget

For Cash Purchases:

•Conservative: Uses 5% of net worth, maintaining strong financial reserves
•Safe: Uses , following the recommended guideline
•Stretch: Uses 15% of net worth, for when you want to prioritize the car