Have u registered? I just registered and was told there was a free update available - the problem for me is that I'm outside the US so who knows what sort of customs charges I could be hit with, but you should be alright!
If you just bought your system, you probably have the most recent version uploaded. However, you may expect some updates soon.
Never got anything from Garmin for free, so most likely you will have to pay fot it.
Recently bought Nuvi 250 and when I registered it I was informed that I was entitled to a free Garmin POI downloads. I downloaded the free info but am unable to install on to the satnav owing to lack of memory space. Uninstalled certain items to give more memory but still not enough. I'm now waiting for a reply from Garmin with suggestions, and waiting and waiting.