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 auto insurance rates for an Infiniti M45 are $1,728 annually including full coverage. Comprehensive insurance costs approximately $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 pay the most at $6,190 a year or more.
Average premium for full coverage: $1,728
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and M45 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for an Infiniti M45 go from as cheap as $438 for just the minimum liability insurance to a high of $3,744 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These rate differences highlight why it is important to compare rates using their specific location and their own personal driving habits, instead of using 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.
Additional Rate Analysis
The chart below breaks down estimated Infiniti M45 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $972
- Drivers who choose higher $1,000 deductibles will pay $1,458 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,728
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $530 every year
- Higher-risk drivers with serious driving violations could pay around $3,744 or more
- An auto insurance policy with full coverage for a teen driver can cost $6,190 a year
Auto insurance prices for an Infiniti M45 also have a wide range based on the model of your M45, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $6,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,700 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $800 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Infiniti M45 insurance prices. A 40-year-old driver could pay as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,470 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially different between companies.
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 2026 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 | $178 | $236 | $446 | $1,018 |
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 Buy the Right Infiniti M45 Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, refrain from filing small claims, and not having any coverage lapses. Take the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a quick rundown of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $2,020 more per year to insure an Infiniti M45
- You may be able to save around $220 per year simply by quoting early and online
- Increasing policy deductibles could save up to $800 each year
- Policyholders who purchase increased liability limits will pay approximately $410 per year to go from 30/60 bodily injury limits to higher 250/500 limits
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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