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...

Insurance Lawyer

UPDATED: Jun 4, 2023

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U.S. average insurance prices for an Infiniti M45 are $1,728 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $418, collision costs $780, and liability insurance is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,744 or more. Teens pay the highest rates at $6,190 a year or more.

Average premium for full coverage: $1,728

Price estimates broken down by individual coverage:

Comprehensive $418
Collision $780
Liability $372

Rate estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all M45 models.

Price Range from Low to High

For a 40-year-old driver, Infiniti M45 insurance prices go from the cheapest price of $438 for just liability coverage to the much higher price of $3,744 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,728
High Risk $3,744

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change insurance prices.

Rural Areas $1,296
Small Cities $1,814
Large Cities $2,333

The ranges above illustrate why everyone should get quotes 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.

Detailed Rate Analysis

The chart below illustrates estimated Infiniti M45 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $972
  • Choosing higher $1,000 deductibles can save approximately $270 each year
  • The average price for the average middle-age driver who has $500 deductibles is $1,728
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $530 a year
  • High-risk insureds with serious driving violations could pay up to $3,744 or more
  • The price to insure a teen driver for full coverage can cost as much as $6,190 each year

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing full coverage Infiniti M45 insurance prices range from $972 to $6,190

Insurance prices for an Infiniti M45 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $800 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $2,000 to $2,700 additional each year, depending on your age. Infiniti M45 insurance for high-risk drivers ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Infiniti M45 insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,330 on average in Florida, New York, and Michigan.

Infiniti M45 Insurance Rates by State
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%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite different.

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 $1,728 $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.

Infiniti M45 Insurance Rates by Model Year
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 the Best Infiniti M45 Insurance

Getting lower rates on Infiniti M45 insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the data that was illustrated above.

  • It is possible to save approximately $220 per year simply by quoting online well ahead of the renewal date
  • Drivers who want higher liability limits will pay approximately $410 annually to raise limits from a low limit to a 250/500 level
  • Teens are expensive to insure, as much as $516 a month if full coverage is included
  • High-risk drivers who tend to receive serious violations could be forced to pay on average $2,020 more annually for M45 insurance

Rates by Driver Age

Infiniti M45 Insurance 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

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,258
$250 $2,012
$500 $1,728
$1,000 $1,458

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
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

Infiniti M45 Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $972

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

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