Infiniti M45 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for an Infiniti M45 are $1,092 every 12 months with full coverage. Comprehensive insurance costs an estimated $200, collision insurance costs $266, and liability insurance costs $468. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs $2,350 or more. Teenage drivers receive the highest rates at up to $4,312 a year.
Average premium for full coverage: $1,092
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all M45 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $518 for liability-only coverage to the much higher price of $2,350 for high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on average rates.
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.
Additional Charts and Tables
The chart below details average Infiniti M45 insurance rates for other coverage scenarios.
- The best discount rate is $656
- Drivers who choose higher $1,000 deductibles will pay approximately $106 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,092
- Using pricier low deductibles for comprehensive and collision insurance costs an extra $202 a year
- High risk drivers who are prone to accidents and violations could pay up to $2,350
- The cost to insure a teen driver for full coverage can cost as much as $4,312 a year
Car insurance rates for an Infiniti M45 can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $310 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,300 to $1,800 extra per year, depending on your age. Infiniti M45 insurance for high-risk drivers can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,480 on average in New York, Michigan, 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% |
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 Shop for More Affordable Infiniti M45 Insurance
Saving money on Infiniti M45 insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the material that was raised in the charts and tables above.
- Drivers who want higher liability limits will pay an extra $520 every year to go from a minimum limit to a 250/500 level
- Teens have the highest car insurance rates, with premiums as much as $359 per month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,260 more annually for M45 insurance
- Increasing deductibles could save as much as $300 each year
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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