Infiniti M45 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Estimated insurance rates for an Infiniti M45 are $1,728 a year for full coverage. Comprehensive insurance costs around $418 each year, collision insurance costs $780, and liability insurance costs around $372. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs $3,744 or more. Teen drivers pay the most at up to $6,190 a year.
Average premium for full coverage: $1,728
Premium estimates for type of coverage:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and M45 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for an Infiniti M45 range from the low end price of $438 for liability-only coverage to a high rate of $3,744 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.
These rate differences show why all drivers should compare prices for a specific zip code, rather than relying on price 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 shows average Infiniti M45 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $972
- Using higher $1,000 deductibles will save about $270 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,728
- Choosing low deductibles for physical damage coverage will cost an additional $530 a year
- Drivers with multiple violations and an at-fault accident could pay at least $3,744
- An auto insurance policy that insures a teen driver can be $6,190 or more
Car insurance prices for an Infiniti M45 also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age
Where you choose to live has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see prices as low as $1,140 a year in states like Idaho, Maine, and Iowa, or as much as $2,470 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $800 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Cheapest Infiniti M45 Insurance
Finding better rates on Infiniti M45 insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
The items below are a recap of the ideas that were illustrated above.
- Teen drivers are the costliest to insure, as much as $516 per month if full coverage is purchased
- High-risk drivers that have major violations or accidents pay on average $2,020 more every year to insure their M45
- Increasing policy deductibles can save approximately $800 each year
- Drivers can save up to $220 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,258 |
| $250 | $2,012 |
| $500 | $1,728 |
| $1,000 | $1,458 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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