Infiniti M45 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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The average insurance rates for an Infiniti M45 are $1,728 a year for full coverage. Comprehensive costs approximately $418 a year, collision insurance costs $780, and liability coverage costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $3,744. 16-year-old drivers cost the most to insure at up to $6,190 a year.
Average premium for full coverage: $1,728
Policy rates by type of insurance:
Includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and M45 trim levels.
Price Range Variability
For a driver in their 40's, Infiniti M45 insurance rates range from the low end price of $438 for your basic liability-only policy to a high of $3,744 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.
The examples above show why it is important to compare rates using their specific location, rather than 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.
More Rate Information
The chart below shows average Infiniti M45 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $972
- Drivers who choose higher $1,000 deductibles will pay $1,458 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,728
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,258
- High-risk insureds with multiple tickets or accidents could pay around $3,744
- Policy cost that insures a teenage driver can cost $6,190 a year
Insurance rates for an Infiniti M45 also range considerably based on the trim level of your M45, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age
Your home state makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Iowa, Maine, and Idaho, or at least $2,470 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $800 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
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 Find the Cheapest Infiniti M45 Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct carriers, and also from insurance agencies where you live.
The following is a recap of the data that was covered in the charts and tables above.
- Drivers can save around $220 per year just by quoting early and online
- Consumers who purchase higher liability limits will pay around $410 each year to go from a 30/60 limit to the 250/500 level
- Teens are expensive to insure, costing up to $516 each month if full coverage is included
- Drivers that have major violations or accidents could be forced to pay on average $2,020 more per year for M45 insurance
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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