Infiniti M45 Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for an Infiniti M45 are $1,076 a year with full coverage. Comprehensive costs around $198 each year, collision costs $260, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,308. 16-year-old drivers pay the highest rates at $4,240 a year or more.
Average premium for full coverage: $1,076
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and M45 models.
Price Range from Low to High
For a driver around age 40, Infiniti M45 insurance prices go from the low end price of $510 for the bare minimum liability coverage to a high rate of $2,308 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why all drivers should get quotes for a specific zip code, instead of making a decision based 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 Rate Information
The chart below details estimated Infiniti M45 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $649
- Choosing higher $1,000 deductibles can save about $104 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,076
- Buying low deductibles for comp and collision coverage bumps up the cost to $1,274
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,308 or more
- The price that insures a 16-year-old driver can be $4,240 each year
Insurance prices for an Infiniti M45 are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Infiniti M45 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
Opting for high physical damage deductibles can save as much as $310 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.
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 Cheaper Infiniti M45 Insurance
Getting lower rates on insurance for an Infiniti M45 takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every year by requesting rates from direct companies, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the coverage data covered above.
- You may be able to save up to $120 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $300 each year
- Youthful drivers are charged the highest prices, costing up to $353 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,230 more every year than a low-risk driver
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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