Infiniti M45 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2022

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Estimated insurance rates for an Infiniti M45 are $1,076 a year for full coverage insurance. Comprehensive costs an estimated $198, collision insurance costs $260, and liability insurance costs around $460. A policy with only liability insurance costs as low as $510 a year, and a high-risk policy costs around $2,308. 16-year-old drivers pay the most at up to $4,240 a year.

Average premium for full coverage: $1,076

Premium estimates broken down by type of coverage:

Comprehensive $198
Collision $260
Liability $460

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all M45 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Infiniti M45 range from the low end price of $510 for basic liability insurance to the much higher price of $2,308 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,076
High Risk $2,308

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The example below illustrates how location helps determine insurance prices.

Rural Areas $807
Small Cities $1,130
Large Cities $1,453

These rate differences illustrate why everyone should compare prices for a targeted area, rather than relying 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.

Rate Comparisons

The chart below illustrates average Infiniti M45 insurance rates for other coverage scenarios.

  • The best full coverage rate is $649
  • Using higher $1,000 deductibles will save approximately $104 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,076
  • Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,274
  • Drivers with multiple tickets or accidents could pay up to $2,308
  • An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,240 or more

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing Infiniti M45 insurance rates range from $649 to $4,240 for full coverage

Car insurance prices for an Infiniti M45 also have a wide range based on the model of your M45, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. Infiniti M45 insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see prices as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,450 on average in Florida, New York, and Michigan.

Infiniti M45 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $974 -$102 -9.5%
Alaska $826 -$250 -23.2%
Arizona $894 -$182 -16.9%
Arkansas $1,076 -$0 0.0%
California $1,226 $150 13.9%
Colorado $1,028 -$48 -4.5%
Connecticut $1,106 $30 2.8%
Delaware $1,218 $142 13.2%
Florida $1,346 $270 25.1%
Georgia $992 -$84 -7.8%
Hawaii $772 -$304 -28.3%
Idaho $728 -$348 -32.3%
Illinois $802 -$274 -25.5%
Indiana $808 -$268 -24.9%
Iowa $726 -$350 -32.5%
Kansas $1,024 -$52 -4.8%
Kentucky $1,470 $394 36.6%
Louisiana $1,592 $516 48.0%
Maine $664 -$412 -38.3%
Maryland $886 -$190 -17.7%
Massachusetts $862 -$214 -19.9%
Michigan $1,868 $792 73.6%
Minnesota $902 -$174 -16.2%
Mississippi $1,288 $212 19.7%
Missouri $956 -$120 -11.2%
Montana $1,156 $80 7.4%
Nebraska $850 -$226 -21.0%
Nevada $1,290 $214 19.9%
New Hampshire $776 -$300 -27.9%
New Jersey $1,202 $126 11.7%
New Mexico $952 -$124 -11.5%
New York $1,134 $58 5.4%
North Carolina $620 -$456 -42.4%
North Dakota $882 -$194 -18.0%
Ohio $744 -$332 -30.9%
Oklahoma $1,106 $30 2.8%
Oregon $984 -$92 -8.6%
Pennsylvania $1,026 -$50 -4.6%
Rhode Island $1,438 $362 33.6%
South Carolina $974 -$102 -9.5%
South Dakota $908 -$168 -15.6%
Tennessee $942 -$134 -12.5%
Texas $1,298 $222 20.6%
Utah $796 -$280 -26.0%
Vermont $736 -$340 -31.6%
Virginia $644 -$432 -40.1%
Washington $832 -$244 -22.7%
West Virginia $986 -$90 -8.4%
Wisconsin $744 -$332 -30.9%
Wyoming $960 -$116 -10.8%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $310 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,076 $90
Infiniti M45 4-Dr Sedan $1,076 $90

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 $198 $260 $460 $1,076

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 Best Cheap Infiniti M45 Insurance

Finding better rates on Infiniti M45 insurance requires not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a quick review of the concepts that were covered in the charts and tables above.

  • High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,230 more annually for M45 insurance
  • Teens have the highest car insurance prices, with premiums being up to $353 per month if full coverage is purchased
  • It is possible to save approximately $120 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $300 each year
  • It is possible to save approximately $120 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $4,240
20 $2,452
30 $1,098
40 $1,076
50 $986
60 $964

Full coverage, $500 deductibles

Rates by Deductible

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,274
$250 $1,182
$500 $1,076
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,168
100/300 $1,283
250/500 $1,582
100 CSL $1,214
300 CSL $1,467
500 CSL $1,651

Full coverage, driver age 40

Rates for High Risk Drivers

Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $5,986
20 $3,902
30 $2,336
40 $2,308
50 $2,208
60 $2,186

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $48
Online Quote $73
Total Discounts $427
Rate after discounts $649

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

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