Infiniti M45 Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance prices for an Infiniti M45 are $1,728 every 12 months for full coverage. Comprehensive insurance costs on average $418 each year, collision insurance costs $780, and liability insurance costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $3,744 or more. Teen drivers receive the highest rates at up to $6,190 a year.

Average premium for full coverage: $1,728

Rate estimates by individual coverage type:

Comprehensive $418
Collision $780
Liability $372

Includes $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and M45 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $3,744 for a driver required to buy high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.

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

These examples show why all drivers should compare prices based on a specific location and their own driving history, 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.

Additional Rate Details

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

  • The lowest rate with discounts is $972
  • Using higher $1,000 deductibles will save around $270 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,728
  • Choosing low deductibles for physical damage coverage costs an extra $530 a year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,744
  • The cost to insure a teen driver 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 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your M45.

Choosing high deductibles could cut rates by as much as $800 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than average. View High Risk Driver Rates

Where you live has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Idaho, Maine, and Iowa, or as much as $2,470 on average in Michigan, Louisiana, and New York.

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

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 the Cheapest Infiniti M45 Insurance

Saving money on Infiniti M45 insurance requires being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the data touched on in this article.

  • Drivers who require higher levels of liability will pay about $410 each year to increase from a minimum limit to a 250/500 level
  • Drivers can save as much as $220 per year just by quoting online in advance
  • Increasing deductibles could save as much as $800 each year
  • Teenage drivers are charged the highest rates, costing as high as $516 per month if comprehensive and collision insurance is included

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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