Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance rates for an Infiniti M45 are $1,728 a year including full coverage. Comprehensive insurance costs on average $418 each year, collision costs $780, and liability insurance costs around $372. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing $3,744 or more. Teen drivers cost the most to insure at $6,190 a year or more.

Average premium for full coverage: $1,728

Policy rates by type of insurance:

Comprehensive $418
Collision $780
Liability $372

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and M45 models.

Price Range Variability

For an average driver, Infiniti M45 insurance rates go from the low end price of $438 for minimum levels of liability insurance to a high rate of $3,744 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

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

The examples above highlight why all drivers should compare prices based on a specific location, 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 Rate Details

The chart below breaks down estimated Infiniti M45 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $972
  • Using higher $1,000 deductibles will save around $270 every year
  • The estimated price for a good driver age 40 with $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 upwards of $3,744 or more
  • Policy cost that insures a teen driver may cost $6,190 or more

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

Auto insurance rates for an Infiniti M45 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $2,000 to $2,700 in extra premium every year, 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 a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

Your home state has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see rates as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,470 on average in Michigan, New York, and Louisiana.

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 high deductibles could cut rates by as much as $800 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 the Cheapest Infiniti M45 Insurance

Finding cheaper rates on Infiniti M45 insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a recap of the coverage data covered in the above illustrations.

  • You may be able to save as much as $220 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $800 each year
  • Teenage drivers are charged the highest rates, with premiums being up to $516 each month if the policy includes full coverage
  • High-risk drivers that have major violations or accidents could be forced to pay on average $2,020 more each year for auto insurance

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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