Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance rates for an Infiniti M45 are $1,728 a year for full coverage insurance. Comprehensive costs around $418, collision costs $780, and liability insurance costs $372. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing around $3,744. Teen drivers receive the highest rates at $6,190 a year or more.

Average premium for full coverage: $1,728

Rate estimates for individual coverage type:

Comprehensive $418
Collision $780
Liability $372

Price estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all M45 models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $438 for just liability insurance to the much higher price of $3,744 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,728
High Risk $3,744

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,296
Small Cities $1,814
Large Cities $2,333

These examples illustrate why everyone should compare rates for a specific zip code, rather than relying 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.

More Rate Details

The chart below illustrates estimated Infiniti M45 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $972
  • Drivers who choose higher $1,000 deductibles will pay about $270 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,728
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,258
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,744 or more
  • The cost that insures a teen driver for full coverage can be $6,190 a year

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing full coverage Infiniti M45 insurance rates range from $972 to $6,190

Insurance rates for an Infiniti M45 can also vary considerably based on the model of your M45, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $2,000 to $2,700 additional per year, depending on your age. Infiniti M45 insurance for high-risk drivers can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you live makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,330 on average in Michigan, New York, and Florida.

Infiniti M45 Insurance Rates by State
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%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Choosing high deductibles could save up to $800 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different.

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 $1,728 $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.

Infiniti M45 Insurance Rates by Model Year
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 Cheaper Infiniti M45 Insurance

Saving money on Infiniti M45 insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the primary concepts that were covered above.

  • It is possible to save up to $220 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $2,020 more every year for M45 insurance
  • Increasing deductibles can save approximately $800 each year
  • Teens are charged the highest rates, costing up to $516 per month if comprehensive and collision insurance is included

Rates by Driver Age

Infiniti M45 Insurance 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

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,258
$250 $2,012
$500 $1,728
$1,000 $1,458

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
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

Infiniti M45 Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $972

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

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