Infiniti M45 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 2023
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The average insurance rates for an Infiniti M45 are $1,728 a year for full coverage. Comprehensive costs an estimated $418 a year, collision insurance costs $780, and liability costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $3,744. 16-year-old drivers cost the most to insure at up to $6,190 a year.
Average premium for full coverage: $1,728
Policy rates broken down by type of insurance:
These estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and M45 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Infiniti M45 insurance rates range from the low end price of $438 for your basic liability-only policy to a high of $3,744 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how where you live affects insurance prices.
The examples above show why it is important to compare prices for a targeted area, instead of making a decision based on 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.
More Rate Information
The chart below shows average Infiniti M45 insurance rates for other coverage scenarios.
- The best full coverage rate is $972
- Using higher $1,000 deductibles will save approximately $1,458 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,728
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,258
- High-risk insureds with multiple tickets or accidents could pay up to $3,744
- Policy cost that insures a 16-year-old driver can cost as much as $6,190 or more
Insurance rates for an Infiniti M45 also range considerably based on the trim level of your M45, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age
Your home state has a huge impact on Infiniti M45 insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like Iowa, Maine, and Idaho, or at least $2,470 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,564 | -$164 | -9.5% |
| Alaska | $1,326 | -$402 | -23.3% |
| Arizona | $1,434 | -$294 | -17.0% |
| Arkansas | $1,728 | -$0 | 0.0% |
| California | $1,970 | $242 | 14.0% |
| Colorado | $1,652 | -$76 | -4.4% |
| Connecticut | $1,776 | $48 | 2.8% |
| Delaware | $1,958 | $230 | 13.3% |
| Florida | $2,164 | $436 | 25.2% |
| Georgia | $1,598 | -$130 | -7.5% |
| Hawaii | $1,242 | -$486 | -28.1% |
| Idaho | $1,170 | -$558 | -32.3% |
| Illinois | $1,290 | -$438 | -25.3% |
| Indiana | $1,300 | -$428 | -24.8% |
| Iowa | $1,168 | -$560 | -32.4% |
| Kansas | $1,644 | -$84 | -4.9% |
| Kentucky | $2,360 | $632 | 36.6% |
| Louisiana | $2,560 | $832 | 48.1% |
| Maine | $1,068 | -$660 | -38.2% |
| Maryland | $1,426 | -$302 | -17.5% |
| Massachusetts | $1,384 | -$344 | -19.9% |
| Michigan | $3,004 | $1,276 | 73.8% |
| Minnesota | $1,448 | -$280 | -16.2% |
| Mississippi | $2,072 | $344 | 19.9% |
| Missouri | $1,534 | -$194 | -11.2% |
| Montana | $1,858 | $130 | 7.5% |
| Nebraska | $1,364 | -$364 | -21.1% |
| Nevada | $2,072 | $344 | 19.9% |
| New Hampshire | $1,244 | -$484 | -28.0% |
| New Jersey | $1,932 | $204 | 11.8% |
| New Mexico | $1,532 | -$196 | -11.3% |
| New York | $1,822 | $94 | 5.4% |
| North Carolina | $996 | -$732 | -42.4% |
| North Dakota | $1,416 | -$312 | -18.1% |
| Ohio | $1,192 | -$536 | -31.0% |
| Oklahoma | $1,776 | $48 | 2.8% |
| Oregon | $1,584 | -$144 | -8.3% |
| Pennsylvania | $1,650 | -$78 | -4.5% |
| Rhode Island | $2,306 | $578 | 33.4% |
| South Carolina | $1,568 | -$160 | -9.3% |
| South Dakota | $1,458 | -$270 | -15.6% |
| Tennessee | $1,516 | -$212 | -12.3% |
| Texas | $2,082 | $354 | 20.5% |
| Utah | $1,280 | -$448 | -25.9% |
| Vermont | $1,184 | -$544 | -31.5% |
| Virginia | $1,036 | -$692 | -40.0% |
| Washington | $1,336 | -$392 | -22.7% |
| West Virginia | $1,584 | -$144 | -8.3% |
| Wisconsin | $1,196 | -$532 | -30.8% |
| Wyoming | $1,542 | -$186 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $800 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Infiniti M45 X AWD 4-Dr | $1,728 | $144 |
| Infiniti M45 4-Dr Sedan | $1,728 | $144 |
Rates assume 2026 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 | $178 | $236 | $446 | $1,018 |
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 Cheap Infiniti M45 Insurance
Finding cheaper rates on insurance for an Infiniti M45 requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct carriers, and also from your local independent and exclusive agents.
The following is a brief summary of the material that was touched on in the above illustrations.
- Insureds who want higher liability limits will pay around $410 each year to increase from a 30/60 limit to the 250/500 level
- Teens are charged the highest rates, costing up to $516 each month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,020 more annually for M45 insurance
- Increasing comprehensive and collision deductibles can save approximately $800 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,190 |
| 20 | $3,992 |
| 30 | $1,822 |
| 40 | $1,728 |
| 50 | $1,576 |
| 60 | $1,546 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,258 |
| $250 | $2,012 |
| $500 | $1,728 |
| $1,000 | $1,458 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,728 |
| 50/100 | $1,802 |
| 100/300 | $1,895 |
| 250/500 | $2,137 |
| 100 CSL | $1,840 |
| 300 CSL | $2,044 |
| 500 CSL | $2,193 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,890 |
| 20 | $6,344 |
| 30 | $3,848 |
| 40 | $3,744 |
| 50 | $3,568 |
| 60 | $3,536 |
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 | $94 |
| Multi-vehicle | $89 |
| Homeowner | $23 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $113 |
| Paid in Full/EFT | $86 |
| Advance Quote | $89 |
| Online Quote | $126 |
| Total Discounts | $756 |
Discounts are estimated and may not be available from every company or in every state.
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