Infiniti M45 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Average insurance rates for an Infiniti M45 are $1,092 a year for full coverage. Comprehensive costs on average $200 a year, collision costs $266, and liability insurance costs $468. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $2,350. Teen drivers receive the highest rates at $4,312 a year or more.

Average premium for full coverage: $1,092

Rate estimates by individual coverage type:

Comprehensive $200
Collision $266
Liability $468

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and M45 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $518 for only liability insurance to a high of $2,350 for a high risk driver.

Liability Only $518
Full Coverage $1,092
High Risk $2,350

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $819
Small Cities $1,147
Large Cities $1,474

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $656
  • Drivers who choose higher $1,000 deductibles will pay around $986 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,092
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,294
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,350 or more
  • The cost for full coverage for a teen driver may cost $4,312 a year

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing full coverage Infiniti M45 insurance rates range from $656 to $4,312

for an Infiniti M45 can also vary considerably based on your driver profile, the trim level of your M45, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,300 a year. View Rates by Age

Where you live makes a big difference in Infiniti M45 insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Idaho, Maine, and Iowa, or as much as $1,560 on average in Michigan, Louisiana, and New York.

Infiniti M45 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $990 -$102 -9.3%
Alaska $840 -$252 -23.1%
Arizona $908 -$184 -16.8%
Arkansas $1,092 -$0 0.0%
California $1,246 $154 14.1%
Colorado $1,046 -$46 -4.2%
Connecticut $1,126 $34 3.1%
Delaware $1,238 $146 13.4%
Florida $1,368 $276 25.3%
Georgia $1,010 -$82 -7.5%
Hawaii $786 -$306 -28.0%
Idaho $740 -$352 -32.2%
Illinois $816 -$276 -25.3%
Indiana $824 -$268 -24.5%
Iowa $738 -$354 -32.4%
Kansas $1,040 -$52 -4.8%
Kentucky $1,494 $402 36.8%
Louisiana $1,620 $528 48.4%
Maine $676 -$416 -38.1%
Maryland $902 -$190 -17.4%
Massachusetts $874 -$218 -20.0%
Michigan $1,900 $808 74.0%
Minnesota $914 -$178 -16.3%
Mississippi $1,312 $220 20.1%
Missouri $970 -$122 -11.2%
Montana $1,176 $84 7.7%
Nebraska $864 -$228 -20.9%
Nevada $1,312 $220 20.1%
New Hampshire $788 -$304 -27.8%
New Jersey $1,224 $132 12.1%
New Mexico $970 -$122 -11.2%
New York $1,154 $62 5.7%
North Carolina $632 -$460 -42.1%
North Dakota $896 -$196 -17.9%
Ohio $756 -$336 -30.8%
Oklahoma $1,124 $32 2.9%
Oregon $1,002 -$90 -8.2%
Pennsylvania $1,044 -$48 -4.4%
Rhode Island $1,462 $370 33.9%
South Carolina $992 -$100 -9.2%
South Dakota $924 -$168 -15.4%
Tennessee $960 -$132 -12.1%
Texas $1,318 $226 20.7%
Utah $810 -$282 -25.8%
Vermont $750 -$342 -31.3%
Virginia $656 -$436 -39.9%
Washington $846 -$246 -22.5%
West Virginia $1,002 -$90 -8.2%
Wisconsin $756 -$336 -30.8%
Wyoming $976 -$116 -10.6%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Choosing high deductibles could save up to $310 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $421 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, 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 $1,092 $91
Infiniti M45 4-Dr Sedan $1,092 $91

Rates assume 2007 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 $200 $266 $468 $1,092

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 Cheaper Infiniti M45 Insurance

Saving money on Infiniti M45 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $300 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $359 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,260 more each year for insurance

Rates by Driver Age

Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $4,312
20 $2,494
30 $1,120
40 $1,092
50 $1,002
60 $982

Full coverage, $500 deductibles

Rates by Deductible

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,294
$250 $1,202
$500 $1,092
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,092
50/100 $1,186
100/300 $1,303
250/500 $1,607
100 CSL $1,232
300 CSL $1,490
500 CSL $1,677

Full coverage, driver age 40

Rates for High Risk Drivers

Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $6,086
20 $3,972
30 $2,378
40 $2,350
50 $2,246
60 $2,222

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 $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $49
Online Quote $75
Total Discounts $436
Rate after discounts $656

Discounts are estimated and may not be available from every company or in every state.

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