Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated insurance prices for an Infiniti M45 are $1,728 every 12 months including full coverage. Comprehensive costs approximately $418 a year, collision costs $780, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $3,744. Teens pay the most at $6,190 a year or more.

Average premium for full coverage: $1,728

Premium estimates by type of coverage:

Comprehensive $418
Collision $780
Liability $372

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and M45 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Infiniti M45 go from the cheapest price of $438 for basic liability insurance to a high of $3,744 for a high-risk driver policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

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

These rate differences highlight why it is important to compare rates using their specific location and their own driving history, rather than relying 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.

Rate Comparisons

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 average price for a 40-year-old good driver who chooses $500 deductibles is $1,728
  • Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $2,258
  • High risk drivers with serious driving violations could pay around $3,744 or more
  • An auto insurance policy to insure a teen driver can cost $6,190 a year

View Chart as Image

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

Insurance prices for an Infiniti M45 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your M45.

Choosing higher comprehensive and collision insurance deductibles could save up to $800 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could 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, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Infiniti M45 insurance rates. 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.

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

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every company calculates prices differently, so the prices will be substantially different.

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 Shop for Affordable Infiniti M45 Insurance

Finding better rates on Infiniti M45 insurance not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the information raised in the charts and tables above.

  • You may be able to save around $220 per year simply by quoting early and online
  • Drivers under the age of 20 are expensive to insure, with the cost nearing $516 per month if they have full coverage
  • Increasing policy deductibles could save as much as $800 each year
  • High-risk drivers with DUI or reckless driving convictions could be charged and average of $2,020 more per year to insure an Infiniti M45
  • Drivers who purchase increased liability limits will pay approximately $410 per year to go from 30/60 bodily injury limits to a 250/500 level

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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