Infiniti M45 Insurance Rates

The average insurance rates for an Infiniti M45 are $1,076 a year for full coverage insurance. Comprehensive insurance costs approximately $198, collision insurance costs $260, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,308 or more. Teenage drivers cost the most to insure at up to $4,240 a year.

Average premium for full coverage: $1,076

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different M45 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $649
• Using higher $1,000 deductibles will save $104 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,076
• Using more expensive low deductibles for physical damage coverage will cost an extra $198 every year
• Drivers who are prone to accidents and violations could pay around $2,308
• Policy cost for full coverage for a teen driver with full coverage can cost $4,240 or more

View Chart as Image

Car insurance rates for an Infiniti M45 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,200 a year. View Rates by Age

Your home state has a huge impact on Infiniti M45 insurance prices. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,450 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Infiniti M45 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and attention to physical damage deductibles. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts touched on above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,230 more per year to insure their M45
• It is possible to save around $120 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Policyholders who purchase more liability coverage will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits