Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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

Average premium for full coverage: $1,728

Rate estimates by individual coverage type:

Comprehensive $418
Collision $780
Liability $372

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all M45 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $438 for just liability coverage to the much higher price of $3,744 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

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

These examples demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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.

Detailed Rate Analysis

The chart below details average Infiniti M45 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $972
  • Drivers who choose higher $1,000 deductibles will pay around $270 annually
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,728
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost $2,258
  • High risk drivers with serious driving violations could pay upwards of $3,744
  • The cost with full coverage for a teen driver for full coverage may cost $6,190 a year

View Chart as Image

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

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $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 the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $800 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,330 on average in Florida, Michigan, and New York.

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

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 2025 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 $194 $248 $452 $1,052

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 Buy the Best Cheap Infiniti M45 Insurance

Saving money on Infiniti M45 insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around once a year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick review of the data that was illustrated above.

  • You may be able to save as much as $220 per year just by quoting online well ahead of the renewal date
  • Drivers who require higher liability limits will pay approximately $410 every year to go from a minimum limit to higher 250/500 limits
  • Teenagers pay higher rates, with premiums as much as $516 per month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation pay an average of $2,020 more each year for car insurance

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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