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 prices for an Infiniti M45 are $1,728 every 12 months with full coverage. Comprehensive insurance costs an estimated $418 each year, collision insurance costs $780, and liability insurance is estimated at $372. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $3,744 or more. Teen drivers cost the most to insure at up to $6,190 a year.
Average premium for full coverage: $1,728
Policy rates broken down by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and M45 models.
Price Range Variability
For the average 40-year-old driver, Infiniti M45 insurance rates range from the cheapest price of $438 for your basic liability-only policy to a high rate of $3,744 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas. The graphic below illustrates the difference location can make on insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on price 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 details average Infiniti M45 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $972
- Choosing higher $1,000 deductibles can save approximately $270 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,728
- Choosing low deductibles for comp and collision coverage costs an extra $530 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,744
- Policy cost to insure a teen driver can cost as much as $6,190 each year
Car insurance rates for an Infiniti M45 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $800 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Infiniti M45 insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
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 More Affordable Infiniti M45 Insurance
Finding cheaper rates on Infiniti M45 insurance takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a summary of the ideas that were touched on in this article.
- Teenagers have the highest car insurance rates, as much as $516 each month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $2,020 more annually for car insurance
- Increasing comprehensive and collision deductibles could save as much as $800 each year
- You may be able to save approximately $220 per year just by quoting online in advance
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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