Infiniti M45 Insurance Rates
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UPDATED: May 11, 2022
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U.S. average insurance prices for an Infiniti M45 are $1,092 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $200 each year, collision costs $266, and liability costs $468. Buying just liability costs as little as $518 a year, with insurance for high-risk drivers costing $2,350 or more. Teenage drivers pay the highest rates at $4,312 a year or more.
Average premium for full coverage: $1,092
Price estimates by individual coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and M45 models.
Price Range from Low to High
For the average 40-year-old driver, Infiniti M45 insurance prices go from the cheapest price of $518 for basic liability insurance to a high rate of $2,350 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.
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 illustrates estimated Infiniti M45 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $656
- Drivers who choose higher $1,000 deductibles will pay $106 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,092
- Using low deductibles for comprehensive and collision insurance costs an extra $202 annually
- Drivers who are prone to accidents and violations could pay around $2,350 or more
- The price to insure a 16-year-old driver can cost $4,312 a year
Insurance prices for an Infiniti M45 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your M45.
Using high physical damage deductibles could save up to $310 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Infiniti M45 insurance prices. A 40-year-old driver could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,480 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Infiniti M45 Insurance
Getting lower rates on insurance for an Infiniti M45 not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a recap of the ideas that were touched on in this article.
- Drivers under the age of 20 are the costliest to insure, as much as $359 a month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,260 more per year to insure an Infiniti M45
- Increasing physical damage deductibles could save as much as $300 each year
- It is possible to save around $120 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,294 |
| $250 | $1,202 |
| $500 | $1,092 |
| $1,000 | $986 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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