Infiniti M45 Insurance Rates

The average insurance rates for an Infiniti M45 are $1,728 a year for full coverage insurance. Comprehensive costs an estimated $418 a year, collision insurance costs $780, and liability costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $3,744. Teenage 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 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and M45 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of using average rates.

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

Additional Rate Details

The chart below illustrates average Infiniti M45 insurance rates for other coverage scenarios.

• The best discount rate is $972
• Drivers who choose higher $1,000 deductibles will pay approximately $1,458 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,728
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,258
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,744
• Policy cost that insures a teen driver can cost as much as $6,190 a year

View Chart as Image

Insurance rates for an Infiniti M45 also range considerably based on the trim level of your M45, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher 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 makes a big difference in Infiniti M45 insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,330 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $800 every year, while buying higher liability limits will increase premiums. Switching 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

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.

How to Find Cheap Infiniti M45 Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from local insurance agencies.

Below is a brief summary of the information presented in the illustrations above.

• It is possible to save approximately $220 per year just by quoting early and online
• Teenage drivers are charged the highest rates, possibly costing $516 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $800 each year
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $2,020 more annually for auto insurance
• Policyholders who want higher levels of liability will pay an extra $410 annually to go from a 30/60 limit to the 250/500 level