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: 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:

Comprehensive $200
Collision $266
Liability $468

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.

Liability Only $518
Full Coverage $1,092
High Risk $2,350

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.

Rural Areas $819
Small Cities $1,147
Large Cities $1,474

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

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing full coverage Infiniti M45 insurance rates range from $656 to $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.

Infiniti M45 Insurance Rates by State
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%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

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

Infiniti M45 Insurance Rates by Model and Trim Level
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.

Infiniti M45 Insurance Rates by Model Year
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

Rates by Driver Age

Infiniti M45 Insurance 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

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,294
$250 $1,202
$500 $1,092
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
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

Infiniti M45 Insurance 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.

SR-22 Surcharge $146

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
Rate after discounts $656

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

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