Infiniti M45 Insurance Rates
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UPDATED: May 11, 2022
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The average insurance rates for an Infiniti M45 are $1,092 a year for full coverage insurance. Comprehensive costs on average $200 each year, collision costs $266, and liability coverage is $468. A liability-only policy costs around $518 a year, with high-risk insurance costing around $2,350. 16-year-old drivers cost the most to insure at $4,312 a year or more.
Average premium for full coverage: $1,092
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and M45 models.
Price Range Variability
For the average driver, Infiniti M45 insurance rates go from as low as $518 for a discount liability-only rate to a high rate of $2,350 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates how location impacts car insurance rates.
The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, 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.
Rates by State, City, and Model
The chart below illustrates estimated Infiniti M45 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $656
- Raising to $1,000 deductibles will save around $106 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,092
- Buying low deductibles will increase the cost to $1,294
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,350 or more
- Policy cost for full coverage for a teenage driver may cost $4,312
Car insurance rates for an Infiniti M45 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,300 a year. View Rates by Age
Your home state also has a big influence on Infiniti M45 insurance rates. A middle-age driver might find rates as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,480 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $990 | -$102 | -9.3% |
| Alaska | $840 | -$252 | -23.1% |
| Arizona | $908 | -$184 | -16.8% |
| Arkansas | $1,092 | -$0 | 0.0% |
| California | $1,246 | $154 | 14.1% |
| Colorado | $1,046 | -$46 | -4.2% |
| Connecticut | $1,126 | $34 | 3.1% |
| Delaware | $1,238 | $146 | 13.4% |
| Florida | $1,368 | $276 | 25.3% |
| Georgia | $1,010 | -$82 | -7.5% |
| Hawaii | $786 | -$306 | -28.0% |
| Idaho | $740 | -$352 | -32.2% |
| Illinois | $816 | -$276 | -25.3% |
| Indiana | $824 | -$268 | -24.5% |
| Iowa | $738 | -$354 | -32.4% |
| Kansas | $1,040 | -$52 | -4.8% |
| Kentucky | $1,494 | $402 | 36.8% |
| Louisiana | $1,620 | $528 | 48.4% |
| Maine | $676 | -$416 | -38.1% |
| Maryland | $902 | -$190 | -17.4% |
| Massachusetts | $874 | -$218 | -20.0% |
| Michigan | $1,900 | $808 | 74.0% |
| Minnesota | $914 | -$178 | -16.3% |
| Mississippi | $1,312 | $220 | 20.1% |
| Missouri | $970 | -$122 | -11.2% |
| Montana | $1,176 | $84 | 7.7% |
| Nebraska | $864 | -$228 | -20.9% |
| Nevada | $1,312 | $220 | 20.1% |
| New Hampshire | $788 | -$304 | -27.8% |
| New Jersey | $1,224 | $132 | 12.1% |
| New Mexico | $970 | -$122 | -11.2% |
| New York | $1,154 | $62 | 5.7% |
| North Carolina | $632 | -$460 | -42.1% |
| North Dakota | $896 | -$196 | -17.9% |
| Ohio | $756 | -$336 | -30.8% |
| Oklahoma | $1,124 | $32 | 2.9% |
| Oregon | $1,002 | -$90 | -8.2% |
| Pennsylvania | $1,044 | -$48 | -4.4% |
| Rhode Island | $1,462 | $370 | 33.9% |
| South Carolina | $992 | -$100 | -9.2% |
| South Dakota | $924 | -$168 | -15.4% |
| Tennessee | $960 | -$132 | -12.1% |
| Texas | $1,318 | $226 | 20.7% |
| Utah | $810 | -$282 | -25.8% |
| Vermont | $750 | -$342 | -31.3% |
| Virginia | $656 | -$436 | -39.9% |
| Washington | $846 | -$246 | -22.5% |
| West Virginia | $1,002 | -$90 | -8.2% |
| Wisconsin | $756 | -$336 | -30.8% |
| Wyoming | $976 | -$116 | -10.6% |
Opting for high physical damage deductibles can reduce rates by up to $310 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $421 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 at a minimum $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Infiniti M45 X AWD 4-Dr | $1,092 | $91 |
| Infiniti M45 4-Dr Sedan | $1,092 | $91 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2007 Infiniti M45 | $200 | $266 | $468 | $1,092 |
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 Right Infiniti M45 Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a quick rundown of the data that was touched on above.
- It is possible to save as much as $120 per year simply by quoting online in advance
- Consumers who require higher liability limits will pay around $520 annually to raise from a 30/60 limit to 250/500 limits
- Teenagers are expensive to insure, possibly costing $359 each month if full coverage is included
- Drivers with reckless driving or DUI convictions pay an average of $1,260 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,312 |
| 20 | $2,494 |
| 30 | $1,120 |
| 40 | $1,092 |
| 50 | $1,002 |
| 60 | $982 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,294 |
| $250 | $1,202 |
| $500 | $1,092 |
| $1,000 | $986 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,092 |
| 50/100 | $1,186 |
| 100/300 | $1,303 |
| 250/500 | $1,607 |
| 100 CSL | $1,232 |
| 300 CSL | $1,490 |
| 500 CSL | $1,677 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,086 |
| 20 | $3,972 |
| 30 | $2,378 |
| 40 | $2,350 |
| 50 | $2,246 |
| 60 | $2,222 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $41 |
| Advance Quote | $49 |
| Online Quote | $75 |
| Total Discounts | $436 |
Discounts are estimated and may not be available from every company or in every state.
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