Infiniti M45 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2023

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Average auto insurance rates for an Infiniti M45 are $1,076 annually for full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $260, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,308. 16-year-old drivers receive the highest rates at up to $4,240 a year.

Average premium for full coverage: $1,076

Rate estimates by individual coverage type:

Comprehensive $198
Collision $260
Liability $460

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and M45 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $510 for minimum levels of liability insurance to a high of $2,308 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,076
High Risk $2,308

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $807
Small Cities $1,130
Large Cities $1,453

These examples show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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 Details

The chart below shows average Infiniti M45 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $649
  • Raising to $1,000 deductibles will save $972 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,076
  • Buying low $100 deductibles will cost $1,274
  • At-risk drivers with multiple tickets or accidents could pay around $2,308
  • The cost with full coverage for a teen driver can cost $4,240

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing Infiniti M45 insurance rates range from $649 to $4,240 for full coverage

Auto insurance rates for an Infiniti M45 can also vary considerably based on the trim level of your M45, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $310 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Infiniti M45 insurance prices. A middle-age driver might find rates as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,540 on average in New York, Louisiana, and Michigan.

Infiniti M45 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $974 -$102 -9.5%
Alaska $826 -$250 -23.2%
Arizona $894 -$182 -16.9%
Arkansas $1,076 -$0 0.0%
California $1,226 $150 13.9%
Colorado $1,028 -$48 -4.5%
Connecticut $1,106 $30 2.8%
Delaware $1,218 $142 13.2%
Florida $1,346 $270 25.1%
Georgia $992 -$84 -7.8%
Hawaii $772 -$304 -28.3%
Idaho $728 -$348 -32.3%
Illinois $802 -$274 -25.5%
Indiana $808 -$268 -24.9%
Iowa $726 -$350 -32.5%
Kansas $1,024 -$52 -4.8%
Kentucky $1,470 $394 36.6%
Louisiana $1,592 $516 48.0%
Maine $664 -$412 -38.3%
Maryland $886 -$190 -17.7%
Massachusetts $862 -$214 -19.9%
Michigan $1,868 $792 73.6%
Minnesota $902 -$174 -16.2%
Mississippi $1,288 $212 19.7%
Missouri $956 -$120 -11.2%
Montana $1,156 $80 7.4%
Nebraska $850 -$226 -21.0%
Nevada $1,290 $214 19.9%
New Hampshire $776 -$300 -27.9%
New Jersey $1,202 $126 11.7%
New Mexico $952 -$124 -11.5%
New York $1,134 $58 5.4%
North Carolina $620 -$456 -42.4%
North Dakota $882 -$194 -18.0%
Ohio $744 -$332 -30.9%
Oklahoma $1,106 $30 2.8%
Oregon $984 -$92 -8.6%
Pennsylvania $1,026 -$50 -4.6%
Rhode Island $1,438 $362 33.6%
South Carolina $974 -$102 -9.5%
South Dakota $908 -$168 -15.6%
Tennessee $942 -$134 -12.5%
Texas $1,298 $222 20.6%
Utah $796 -$280 -26.0%
Vermont $736 -$340 -31.6%
Virginia $644 -$432 -40.1%
Washington $832 -$244 -22.7%
West Virginia $986 -$90 -8.4%
Wisconsin $744 -$332 -30.9%
Wyoming $960 -$116 -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 $1,076 $90
Infiniti M45 4-Dr Sedan $1,076 $90

Rates assume 2007 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 $198 $260 $460 $1,076

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 Buy the Cheapest Infiniti M45 Insurance

Saving money on car insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Spend time shopping around every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following is a recap of the coverage data touched on above.

  • Drivers can save around $120 per year just by quoting early and online
  • Increasing deductibles could save up to $300 each year
  • Teens have the highest car insurance rates, costing as high as $353 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents pay on average $1,230 more per year for M45 insurance

Rates by Driver Age

Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $4,240
20 $2,452
30 $1,098
40 $1,076
50 $986
60 $964

Full coverage, $500 deductibles

Rates by Deductible

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,076
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,168
100/300 $1,283
250/500 $1,582
100 CSL $1,214
300 CSL $1,467
500 CSL $1,651

Full coverage, driver age 40

Rates for High Risk Drivers

Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $5,986
20 $3,902
30 $2,336
40 $2,308
50 $2,208
60 $2,186

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $48
Online Quote $73
Total Discounts $427
Rate after discounts $649

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

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