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 for full coverage insurance. Comprehensive insurance costs on average $418, collision insurance costs $780, and liability costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $3,744 or more. 16-year-old drivers cost the most to insure at up to $6,190 a year.

Average premium for full coverage: $1,728

Policy rates by type of insurance:

Comprehensive $418
Collision $780
Liability $372

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all M45 models.

Price Range Variability

For an average driver, Infiniti M45 insurance rates range from as low as $438 for just liability insurance to the much higher price of $3,744 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The example 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 illustrate why everyone should compare prices based on a specific location and risk profile, 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.

More Rate Details

The chart below illustrates average Infiniti M45 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $972
  • Using higher $1,000 deductibles will save around $270 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,728
  • Buying pricier low deductibles for physical damage coverage will cost an extra $530 annually
  • High-risk insureds with multiple tickets or accidents could pay upwards of $3,744
  • Policy cost for full coverage for a 16-year-old driver for full coverage may cost $6,190 or more

View Chart as Image

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

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

A more mature driver with a good driving record and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers 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 prices. A driver around age 40 might see rates as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,330 on average in Michigan, New York, 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

Opting for high physical damage deductibles could cut rates by as much as $800 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,700 in extra premium every year, depending on your age. Infiniti M45 insurance for high-risk drivers can be from 44% to 129% more than the average rate. View High Risk Driver Rates

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 Right Infiniti M45 Insurance

Finding cheaper rates on insurance for an Infiniti M45 requires having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a quick rundown of the information covered in the above illustrations.

  • It is possible to save as much as $220 per year just by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers are charged the highest rates, possibly costing $516 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $800 each year
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $2,020 more each year than a driver with a clean driving record
  • Insureds who require additional liability coverage will pay around $410 annually to increase from a 30/60 limit to 250/500 limits

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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