Infiniti M45 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for an Infiniti M45 are $1,076 a year including full coverage. Comprehensive insurance costs approximately $198 each year, collision insurance costs $260, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,308 or more. Teen drivers receive the highest rates at up to $4,240 a year.
Average premium for full coverage: $1,076
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and M45 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $510 for liability-only coverage to a high rate of $2,308 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.
These examples highlight why all drivers should compare rates using their specific location and risk profile, instead of making a decision based 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 Charts and Tables
The chart below breaks down average Infiniti M45 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $649
- Drivers who choose higher $1,000 deductibles will pay $104 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,076
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $198 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,308
- The cost for full coverage for a 16-year-old driver can cost $4,240 a year
Car insurance rates for an Infiniti M45 can also vary considerably based on your driver profile, the model of your M45, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,200 a year. View Rates by Age
Where you live makes a big difference in Infiniti M45 insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,540 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $310 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Saving money on insurance for an Infiniti M45 not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
Below you'll find a quick review of the information touched on in the above illustrations.
- You may be able to save around $120 per year just by quoting online in advance
- Youthful drivers pay the highest auto insurance rates, as much as $353 per month if full coverage is included
- Increasing deductibles can save around $300 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,230 more per year than a low-risk driver
- Insureds who purchase more liability protection will pay about $510 per year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,274 |
| $250 | $1,182 |
| $500 | $1,076 |
| $1,000 | $972 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption