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...

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UPDATED: Jun 4, 2023

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The average insurance rates for an Infiniti M45 are $1,076 a year with full coverage. Comprehensive insurance costs around $198, collision insurance costs $260, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,308 or more. Teenage drivers cost the most to insure at up to $4,240 a year.

Average premium for full coverage: $1,076

Policy rates for type of insurance:

Comprehensive $198
Collision $260
Liability $460

Estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different M45 trim levels.

Price Range Variability

For a driver around age 40, Infiniti M45 insurance rates range from as low as $510 for just the minimum liability insurance to a much higher rate of $2,308 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,076
High Risk $2,308

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $807
Small Cities $1,130
Large Cities $1,453

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, 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 Rate Analysis

The chart below details average Infiniti M45 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $649
  • Using higher $1,000 deductibles will save about $104 annually
  • The average rate for a good driver age 40 using $500 deductibles is $1,076
  • Using more expensive low deductibles for physical damage coverage will cost an extra $198 a year
  • Drivers who are prone to accidents and violations could pay at least $2,308
  • Policy cost for full coverage for a teen driver with full coverage can be $4,240 or more

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing Infiniti M45 insurance prices range from $649 to $4,240 for full coverage

Insurance rates for an Infiniti M45 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,200 a year. View Rates by Age

Your home state has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,450 on average in Florida, Michigan, and New York.

Infiniti M45 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $974 -$102 -9.5%
Alaska $826 -$250 -23.2%
Arizona $894 -$182 -16.9%
Arkansas $1,076 -$0 0.0%
California $1,226 $150 13.9%
Colorado $1,028 -$48 -4.5%
Connecticut $1,106 $30 2.8%
Delaware $1,218 $142 13.2%
Florida $1,346 $270 25.1%
Georgia $992 -$84 -7.8%
Hawaii $772 -$304 -28.3%
Idaho $728 -$348 -32.3%
Illinois $802 -$274 -25.5%
Indiana $808 -$268 -24.9%
Iowa $726 -$350 -32.5%
Kansas $1,024 -$52 -4.8%
Kentucky $1,470 $394 36.6%
Louisiana $1,592 $516 48.0%
Maine $664 -$412 -38.3%
Maryland $886 -$190 -17.7%
Massachusetts $862 -$214 -19.9%
Michigan $1,868 $792 73.6%
Minnesota $902 -$174 -16.2%
Mississippi $1,288 $212 19.7%
Missouri $956 -$120 -11.2%
Montana $1,156 $80 7.4%
Nebraska $850 -$226 -21.0%
Nevada $1,290 $214 19.9%
New Hampshire $776 -$300 -27.9%
New Jersey $1,202 $126 11.7%
New Mexico $952 -$124 -11.5%
New York $1,134 $58 5.4%
North Carolina $620 -$456 -42.4%
North Dakota $882 -$194 -18.0%
Ohio $744 -$332 -30.9%
Oklahoma $1,106 $30 2.8%
Oregon $984 -$92 -8.6%
Pennsylvania $1,026 -$50 -4.6%
Rhode Island $1,438 $362 33.6%
South Carolina $974 -$102 -9.5%
South Dakota $908 -$168 -15.6%
Tennessee $942 -$134 -12.5%
Texas $1,298 $222 20.6%
Utah $796 -$280 -26.0%
Vermont $736 -$340 -31.6%
Virginia $644 -$432 -40.1%
Washington $832 -$244 -22.7%
West Virginia $986 -$90 -8.4%
Wisconsin $744 -$332 -30.9%
Wyoming $960 -$116 -10.8%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $310 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

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 $1,076 $90
Infiniti M45 4-Dr Sedan $1,076 $90

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 $198 $260 $460 $1,076

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 Low Cost Infiniti M45 Insurance

Finding cheaper rates on Infiniti M45 insurance requires avoiding accidents and claims, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the data that was covered above.

  • You may be able to save up to $120 per year just by shopping early and online
  • Drivers who may need increased liability limits will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits
  • Drivers under the age of 20 pay higher rates, as much as $353 each month for full coverage
  • High-risk drivers who have several accidents or serious violations pay an average of $1,230 more every year to insure an Infiniti M45

Rates by Driver Age

Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $4,240
20 $2,452
30 $1,098
40 $1,076
50 $986
60 $964

Full coverage, $500 deductibles

Rates by Deductible

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,076
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,168
100/300 $1,283
250/500 $1,582
100 CSL $1,214
300 CSL $1,467
500 CSL $1,651

Full coverage, driver age 40

Rates for High Risk Drivers

Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $5,986
20 $3,902
30 $2,336
40 $2,308
50 $2,208
60 $2,186

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 $143

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $48
Online Quote $73
Total Discounts $427
Rate after discounts $649

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

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