Infiniti M45 Insurance Rates

U.S. average insurance rates for an Infiniti M45 are $1,728 a year for full coverage. Comprehensive insurance costs an estimated $418, collision costs $780, and liability coverage is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,744 or more. Teens pay the highest rates at $6,190 a year or more.

Average premium for full coverage: $1,728

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different M45 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below shows estimated Infiniti M45 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $972
• Choosing higher $1,000 deductibles can save approximately $270 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,728
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $530 each year
• Drivers with serious driving violations could pay up to $3,744 or more
• The price for full coverage for a teenage driver with full coverage can cost as much as $6,190 each year

View Chart as Image

Insurance prices for an Infiniti M45 are also quite variable based on your driving record, the trim level of your M45, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $6,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Infiniti M45 insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,470 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $800 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $2,000 to $2,700 additional each year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Infiniti M45 Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief summary of the ideas that were touched on in the above illustrations.

• Teen drivers are expensive to insure, with premiums as much as $516 a month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay an average of $2,020 more annually to insure their M45
• Increasing physical damage deductibles can save around $800 each year
• Drivers can save approximately $220 per year simply by shopping early and online