Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance rates for an Infiniti M45 are $1,728 a year with full coverage. Comprehensive insurance costs an estimated $418 a year, collision costs $780, and liability costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $3,744 or more. Teens receive the highest rates at $6,190 a year or more.

Average premium for full coverage: $1,728

Rate estimates broken down by individual coverage type:

Comprehensive $418
Collision $780
Liability $372

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and M45 trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $438 for your basic liability-only policy to a high of $3,744 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,296
Small Cities $1,814
Large Cities $2,333

These examples demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.

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.

More Rate Information

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

  • The cheapest rate after discounts is $972
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,458 annually
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,728
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $530 annually
  • Drivers with serious driving violations could pay up to $3,744 or more
  • The cost for full coverage for a 16-year-old driver can cost as much as $6,190 a year

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing full coverage Infiniti M45 insurance prices range from $972 to $6,190

Insurance rates for an Infiniti M45 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age

Where you live makes a big difference in Infiniti M45 insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,330 on average in New York, Michigan, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $800 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Every company calculates rates differently, so the rates can be significantly 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 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.

Infiniti M45 Insurance Rates by Model Year
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 Affordable Infiniti M45 Insurance

Saving money on insurance for an Infiniti M45 not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by quoting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief review of the data that was covered in the above illustrations.

  • You may be able to save approximately $220 per year simply by quoting early and online
  • Insureds who want additional liability coverage will pay approximately $410 every year to go from a minimum limit to 250/500 limits
  • 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $516 per month for full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,020 more annually than a driver with a clean driving record

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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