Infiniti Q50 Insurance Rates

What is an Infiniti Q50? The Q50 is a four-door sedan part of Nissan’s luxury line. How much does it cost to insure an Infiniti Q50 on average? The Infiniti Q50 insurance rates are $135 per month or $1,624 annually. However, your insurance cost for an Infiniti Q50 might be lower or higher depending on your age, driving record, and where you live. 

Did you know that even the age of your car model will impact your annual insurance rates? For example, older models like the 2015 Infiniti Q50 insurance costs are lower than the 2019 Infiniti Q50 insurance costs. 

Read through our comprehensive guide to better understand what factors determine insurance rates on an Infiniti Q50; by the time you’re done, you’ll be able to easily secure cheap car insurance quotes. 

If you’re already ready to easily compare rates between different providers and lower your Infiniti Q50 insurance rates, simply enter your five-digit ZIP code into our FREE quote comparison tool.

The average insurance rates for an Infiniti Q50 are $1,522 a year including full coverage. Comprehensive insurance costs on average $304 a year, collision insurance costs $618, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $3,322 or more. Teenage drivers cost the most to insure at up to $5,716 a year.

Average premium for full coverage: $1,522

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Q50 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down average Infiniti Q50 insurance rates for different risk profiles and scenarios.

• The best discount rate is $861
• Drivers who choose higher $1,000 deductibles will pay around $1,312 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,522
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $410 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,322
• Policy cost for full coverage for a teen driver may cost $5,716 a year

View Chart as Image

Car insurance rates for an Infiniti Q50 also range considerably based on your risk profile, the model of your Q50, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,700 a year. View Rates by Age

Your home state makes a big difference in Infiniti Q50 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,170 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $620 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 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 likely paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Infiniti Q50 Insurance

Finding cheaper rates on Infiniti Q50 insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the material that was covered in the charts and tables above.

• Drivers who require increased levels of liability coverage will pay an extra $490 per year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, with premiums being up to $476 each month if full coverage is included
• High-risk drivers who tend to receive serious violations may pay on average $1,800 more each year to buy Infiniti Q50 insurance
• Increasing comprehensive and collision deductibles can save around $625 each year

As you’ve learned from the information above, many factors impact your Infiniti automobile insurance rates. Not only does the state you live in effect what you pay annually for car insurance, but so doesn’t your age and your driving history.

Don’t forget, even the model age of your car will change your average insurance rates. Remember, the 2016 Infiniti Q50 insurance costs will be lower than the 2018 Infiniti Q50 insurance costs.

Fortunately, there are many safety features you can get on an Infiniti Q50 to help you save money on your insurance. Applying for discounts and comparison shopping is the best way to save on your insurance costs for an Infiniti Q50. 

When you’re ready to compare cheap Infiniti Q50 insurance rates, just enter your ZIP code into our FREE quote comparison tool below to get started.

What are the safety ratings for the Infiniti Q50?

Understanding the Infiniti Q50 safety ratings can help you discover car insurance discounts that you may be eligible for. Sometimes, safety ratings can even reveal if your vehicle is actually causing your premiums to increase. 

Check out the Infiniti Q50 2020 safety ratings below. The following assessment is also reflective of the 2018 Infiniti Q50 safety ratings, as well as the 2019 Infiniti Q50 model.  

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Saftey. If you were wondering are Infiniti Q50 reliable cars, these ratings prove the answer is yes.

However, there are different Infiniti Q50 trims that impact safety rating outcomes. Therefore, exactly how much insurance is on an Infiniti Q50 will depend on the specifications of your individual model. Because not all car model years receive the same safety evaluations, we always recommend checking the safety details for your specific car model. 

The maintenance costs of your vehicle can also impact your car insurance premiums. Expensive vehicles cost insurers more to fix or replace, therefore those vehicles often receive higher insurance quotes. 

Is the Infiniti Q50 expensive to maintain and are Infiniti Q50 parts expensive? Compared to other luxury vehicles, the Infiniti Q50 is actually cheaper than average to upkeep. Because of how much the maintenance is on the Infiniti Q50, you’re more likely to receive affordable car insurance rates for this luxury vehicle. 

Infiniti Q50 Compared Against other Vehicles in the Same Class

Comparing the Infiniti Q50 to similar vehicles can help you save money, especially it has better insurance loss ratios than other vehicles in its class.

Is the Infiniti Q50 a sports car? No, officially the Insurance Institue for Highway Safety classifies the Infiniti Q50 as a midsize luxury four-door sedan. It is common for a luxury vehicle like the Infiniti Q50 to cost more to insure than basic economy sedans, like the Honda Accord insurance costs. 

To better understand how much the Infiniti Q50 loss ratios are compared to other luxury cars, check out similar four-door luxury sedans in the list below:

• Acura TLX
• BMW 3 Series
• Lexus IS 300

How does the Infiniti Q50 differ from other vehicles in its class? Unfortunately, the loss ratios for this car are not very good, which might cause your insurance rates to increase.

The collision loss ratio for the Infiniti Q50 is considered substantially worse than average at 85 percent. The comprehensive coverage loss ratio is even higher, reaching a grand total of 90 percent. 

The poor loss ratios do not stop there. Unfortunately, the medical payment loss ratio is also substantially worse than average at 69 percent. Finally, the bodily injury liability loss ratio is considered worse than average at 28 percent. 

While the numbers are technically not uncommon for luxury cars, the high loss ratios are a big reason why it is more expensive to insure an Infiniti Q50 than other Infiniti Q50 comparable cars. 

To those wondering will the color of your Infiniti Q50 affect your rate, don’t worry too much. The color of your vehicle will have no effect on your overall car insurance rates. 

On the other hand, the trim you chose might cause your rates to increase or decrease. For example, the Infiniti Q50 red sport insurance costs are higher than the rates for a red basic Infiniti Q50 model. 

No matter what model year you own, your specific trims will have a similar impact on your car insurance premiums. In other words, the 2017 Infiniti Q50 insurance costs will be higher if you opt for the sport package. The same can be said for a 2016 Infiniti Q50, or even a brand new 2020 model. 

We’ve answered the question of why is the Infiniti Q50 expensive to insure; now you are an expert on Infiniti Q50 insurance rates. You’re ready to start comparison shopping. Enter your five-digit ZIP code into our FREE tool to secure the best Infinity Q50 rates right away.