Infiniti M45 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Estimated insurance prices for an Infiniti M45 are $1,728 every 12 months with full coverage. Comprehensive insurance costs an estimated $418 a year, collision costs $780, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $3,744 or more. Teens pay the most at $6,190 a year or more.
Average premium for full coverage: $1,728
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and M45 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for an Infiniti M45 go from the cheapest price of $438 for just the minimum liability insurance to a high of $3,744 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These rate differences demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on 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 details estimated Infiniti M45 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $972
- Drivers who choose higher $1,000 deductibles will pay approximately $1,458 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,728
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $530 a year
- High risk drivers with serious driving violations could pay up to $3,744 or more
- An auto insurance policy to insure a teen driver can cost as much as $6,190 a year
Insurance prices for an Infiniti M45 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $800 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,330 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Every company calculates prices differently, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheaper Infiniti M45 Insurance
Finding better rates on Infiniti M45 insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop once a year by quoting rates from direct companies, and also from your local independent and exclusive agents.
The items below are a condensed summary of the data that was touched on in the above illustrations.
- You may be able to save approximately $220 per year simply by quoting early and online
- Drivers who want more liability coverage will pay approximately $410 every year to go from 30/60 bodily injury limits to a 250/500 level
- Teen drivers are charged the highest prices, possibly costing $516 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $2,020 more annually to insure their M45
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,258 |
| $250 | $2,012 |
| $500 | $1,728 |
| $1,000 | $1,458 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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