Infiniti M45 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for an Infiniti M45 are $1,076 a year with full coverage. Comprehensive insurance costs around $198, collision insurance costs $260, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,308 or more. Teenage drivers cost the most to insure at up to $4,240 a year.
Average premium for full coverage: $1,076
Policy rates for type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different M45 trim levels.
Price Range Variability
For a driver around age 40, Infiniti M45 insurance rates range from as low as $510 for just the minimum liability insurance to a much higher rate of $2,308 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on average rates.
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 details average Infiniti M45 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $649
- Using higher $1,000 deductibles will save about $104 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,076
- Using more expensive low deductibles for physical damage coverage will cost an extra $198 a year
- Drivers who are prone to accidents and violations could pay at least $2,308
- Policy cost for full coverage for a teen driver with full coverage can be $4,240 or more
Insurance rates for an Infiniti M45 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,200 a year. View Rates by Age
Your home state has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,450 on average in Florida, Michigan, and New York.
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% |
Using high physical damage deductibles could cut rates by as much as $310 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than a normal policy. 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 Low Cost Infiniti M45 Insurance
Finding cheaper rates on Infiniti M45 insurance requires avoiding accidents and claims, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the data that was covered above.
- You may be able to save up to $120 per year just by shopping early and online
- Drivers who may need increased liability limits will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 pay higher rates, as much as $353 each month for full coverage
- High-risk drivers who have several accidents or serious violations pay an average of $1,230 more every year to insure an Infiniti M45
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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