Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated insurance rates for an Infiniti M45 are $1,728 a year with full coverage. Comprehensive costs around $418 a year, collision costs $780, and liability insurance is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $3,744. 16-year-old drivers pay the most at $6,190 a year or more.

Average premium for full coverage: $1,728

Premium estimates for type of coverage:

Comprehensive $418
Collision $780
Liability $372

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and M45 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for an Infiniti M45 go from as low as $438 for liability-only coverage to a high of $3,744 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The diagram 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 rate differences demonstrate why it is important to get quotes for a specific zip code and risk profile, rather than relying 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.

Additional Charts and Tables

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

  • The best full coverage rate is $972
  • Choosing higher $1,000 deductibles can save about $1,458 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,728
  • Buying low $100 deductibles for comp and collision coverage will increase the cost to $2,258
  • High-risk insureds with multiple tickets or accidents could pay at least $3,744 or more
  • An auto insurance policy for full coverage for a teen driver can be $6,190 each 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 prices for an Infiniti M45 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Infiniti M45 insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or 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

Opting for high physical damage deductibles can save as much as $800 each year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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

Finding better rates on Infiniti M45 insurance takes being a low-risk driver, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a condensed summary of the concepts that were covered above.

  • High-risk drivers with multiple at-fault accidents pay an average of $2,020 more every year to insure their M45
  • Teen drivers pay higher prices, possibly costing $516 per month for full coverage
  • You may be able to save up to $220 per year simply by quoting early and online
  • Increasing policy deductibles can save around $800 each year
  • You may be able to save up to $220 per year simply by quoting early and online

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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