Infiniti M45 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for an Infiniti M45 are $1,076 a year for full coverage insurance. Comprehensive insurance costs on average $198, collision insurance costs $260, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,308 or more. Teen drivers receive the highest rates at up to $4,240 a year.
Average premium for full coverage: $1,076
Rate estimates by individual coverage type:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different M45 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $510 for just the minimum liability insurance to a much higher rate of $2,308 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price 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.
Additional Rate Analysis
The chart below illustrates average Infiniti M45 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $649
- Raising to $1,000 deductibles will save around $104 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,076
- Choosing more expensive low deductibles will cost an extra $198 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,308
- The cost for full coverage for a 16-year-old driver with full coverage may cost $4,240
Insurance rates for an Infiniti M45 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $4,200 a year. View Rates by Age
Where you live also has a big influence on Infiniti M45 insurance prices. A middle-age driver might find rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,450 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can reduce rates by up to $310 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,300 to $1,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Right Infiniti M45 Insurance
Saving money on insurance for an Infiniti M45 consists of not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following is a quick rundown of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,230 more each year for M45 insurance
- Teens pay the highest rates, costing up to $353 per month for full coverage
- It is possible to save as much as $120 per year just by shopping early and online
- Increasing deductibles can save around $300 each year
- It is possible to save as much as $120 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,274 |
| $250 | $1,182 |
| $500 | $1,076 |
| $1,000 | $972 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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