Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance prices for an Infiniti M45 are $1,728 every 12 months for full coverage insurance. Comprehensive insurance costs on average $418 each year, collision insurance costs $780, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs $3,744 or more. Teens pay the highest rates at up to $6,190 a year.

Average premium for full coverage: $1,728

Price estimates by individual coverage:

Comprehensive $418
Collision $780
Liability $372

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and M45 models.

Price Range from Low to High

Using a middle-aged driver as an example, Infiniti M45 insurance prices range from the cheapest price of $438 for just the minimum liability insurance to a high rate of $3,744 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,728
High Risk $3,744

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $1,296
Small Cities $1,814
Large Cities $2,333

The ranges above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below illustrates average Infiniti M45 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $972
  • Using higher $1,000 deductibles will save around $270 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,728
  • Selecting low deductibles for physical damage coverage costs an extra $530 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $3,744
  • The price to insure a teenage driver may cost $6,190 or more

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing Infiniti M45 insurance prices range from $972 to $6,190 for full coverage

Insurance prices for an Infiniti M45 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your M45.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $800 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see prices as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,330 on average in Michigan, New York, and Florida.

Infiniti M45 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,564 -$164 -9.5%
Alaska $1,326 -$402 -23.3%
Arizona $1,434 -$294 -17.0%
Arkansas $1,728 -$0 0.0%
California $1,970 $242 14.0%
Colorado $1,652 -$76 -4.4%
Connecticut $1,776 $48 2.8%
Delaware $1,958 $230 13.3%
Florida $2,164 $436 25.2%
Georgia $1,598 -$130 -7.5%
Hawaii $1,242 -$486 -28.1%
Idaho $1,170 -$558 -32.3%
Illinois $1,290 -$438 -25.3%
Indiana $1,300 -$428 -24.8%
Iowa $1,168 -$560 -32.4%
Kansas $1,644 -$84 -4.9%
Kentucky $2,360 $632 36.6%
Louisiana $2,560 $832 48.1%
Maine $1,068 -$660 -38.2%
Maryland $1,426 -$302 -17.5%
Massachusetts $1,384 -$344 -19.9%
Michigan $3,004 $1,276 73.8%
Minnesota $1,448 -$280 -16.2%
Mississippi $2,072 $344 19.9%
Missouri $1,534 -$194 -11.2%
Montana $1,858 $130 7.5%
Nebraska $1,364 -$364 -21.1%
Nevada $2,072 $344 19.9%
New Hampshire $1,244 -$484 -28.0%
New Jersey $1,932 $204 11.8%
New Mexico $1,532 -$196 -11.3%
New York $1,822 $94 5.4%
North Carolina $996 -$732 -42.4%
North Dakota $1,416 -$312 -18.1%
Ohio $1,192 -$536 -31.0%
Oklahoma $1,776 $48 2.8%
Oregon $1,584 -$144 -8.3%
Pennsylvania $1,650 -$78 -4.5%
Rhode Island $2,306 $578 33.4%
South Carolina $1,568 -$160 -9.3%
South Dakota $1,458 -$270 -15.6%
Tennessee $1,516 -$212 -12.3%
Texas $2,082 $354 20.5%
Utah $1,280 -$448 -25.9%
Vermont $1,184 -$544 -31.5%
Virginia $1,036 -$692 -40.0%
Washington $1,336 -$392 -22.7%
West Virginia $1,584 -$144 -8.3%
Wisconsin $1,196 -$532 -30.8%
Wyoming $1,542 -$186 -10.8%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Infiniti M45 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Infiniti M45 X AWD 4-Dr $1,728 $144
Infiniti M45 4-Dr Sedan $1,728 $144

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Infiniti M45 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2007 Infiniti M45 $194 $248 $452 $1,052

Rates are averaged for all Infiniti M45 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Infiniti M45 Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having good credit, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief review of the coverage data touched on in the above illustrations.

  • It is possible to save as much as $220 per year just by quoting online in advance
  • Increasing physical damage deductibles could save as much as $800 each year
  • Drivers under the age of 20 pay the highest prices, as much as $516 a month if they have full coverage
  • Drivers with DUI or reckless driving convictions pay on average $2,020 more each year to insure an Infiniti M45

Rates by Driver Age

Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $6,190
20 $3,992
30 $1,822
40 $1,728
50 $1,576
60 $1,546

Full coverage, $500 deductibles

Rates by Deductible

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,258
$250 $2,012
$500 $1,728
$1,000 $1,458

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,728
50/100 $1,802
100/300 $1,895
250/500 $2,137
100 CSL $1,840
300 CSL $2,044
500 CSL $2,193

Full coverage, driver age 40

Rates for High Risk Drivers

Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $8,890
20 $6,344
30 $3,848
40 $3,744
50 $3,568
60 $3,536

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $243

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $94
Multi-vehicle $89
Homeowner $23
5-yr Accident Free $136
5-yr Claim Free $113
Paid in Full/EFT $86
Advance Quote $89
Online Quote $126
Total Discounts $756
Rate after discounts $972

Discounts are estimated and may not be available from every company or in every state.

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