Infiniti Q50 Insurance Rates

What is an Infiniti Q50? The Q50 is a four-door sedan part of Nissan’s luxury line. How much does it cost to insure an Infiniti Q50 on average? The Infiniti Q50 insurance rates are $135 per month or $1,624 annually. However, your insurance cost for an Infiniti Q50 might be lower or higher depending on your age, driving record, and where you live. 

Did you know that even the age of your car model will impact your annual insurance rates? For example, older models like the 2015 Infiniti Q50 insurance costs are lower than the 2019 Infiniti Q50 insurance costs. 

Read through our comprehensive guide to better understand what factors determine insurance rates on an Infiniti Q50; by the time you’re done, you’ll be able to easily secure cheap car insurance quotes. 

If you’re already ready to easily compare rates between different providers and lower your Infiniti Q50 insurance rates, simply enter your five-digit ZIP code into our FREE quote comparison tool.

Estimated auto insurance rates for an Infiniti Q50 are $1,548 annually for full coverage. Comprehensive costs on average $320 a year, collision costs $640, and liability insurance is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing around $3,374. Teenage drivers pay the most at $5,768 a year or more.

Average premium for full coverage: $1,548

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Q50 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.

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

These rate differences show why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Infiniti Q50 insurance rates for different risk profiles and scenarios.

• The best discount rate is $875
• Raising to $1,000 deductibles will save around $1,332 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,548
• Using low $100 deductibles will cost $1,976
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,374 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,768

View Chart as Image

Insurance prices for an Infiniti Q50 also have a wide range based on the model of your Q50, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $650 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Infiniti Q50 insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,210 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

How to Buy Affordable Infiniti Q50 Insurance

Finding better rates on Infiniti Q50 insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every other policy renewal by getting price quotes from direct carriers, and also from local insurance agents.

Below you'll find a brief review of the ideas that were covered in the above illustrations.

• Youthful drivers pay the highest prices, as much as $481 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,830 more each year than a low-risk driver
• Increasing policy deductibles could save up to $650 each year
• Drivers can save as much as $190 per year simply by quoting early and online

As you’ve learned from the information above, many factors impact your Infiniti automobile insurance rates. Not only does the state you live in effect what you pay annually for car insurance, but so doesn’t your age and your driving history.

Don’t forget, even the model age of your car will change your average insurance rates. Remember, the 2016 Infiniti Q50 insurance costs will be lower than the 2018 Infiniti Q50 insurance costs.

Fortunately, there are many safety features you can get on an Infiniti Q50 to help you save money on your insurance. Applying for discounts and comparison shopping is the best way to save on your insurance costs for an Infiniti Q50. 

When you’re ready to compare cheap Infiniti Q50 insurance rates, just enter your ZIP code into our FREE quote comparison tool below to get started.

What are the safety ratings for the Infiniti Q50?

Understanding the Infiniti Q50 safety ratings can help you discover car insurance discounts that you may be eligible for. Sometimes, safety ratings can even reveal if your vehicle is actually causing your premiums to increase. 

Check out the Infiniti Q50 2020 safety ratings below. The following assessment is also reflective of the 2018 Infiniti Q50 safety ratings, as well as the 2019 Infiniti Q50 model.  

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Saftey. If you were wondering are Infiniti Q50 reliable cars, these ratings prove the answer is yes.

However, there are different Infiniti Q50 trims that impact safety rating outcomes. Therefore, exactly how much insurance is on an Infiniti Q50 will depend on the specifications of your individual model. Because not all car model years receive the same safety evaluations, we always recommend checking the safety details for your specific car model. 

The maintenance costs of your vehicle can also impact your car insurance premiums. Expensive vehicles cost insurers more to fix or replace, therefore those vehicles often receive higher insurance quotes. 

Is the Infiniti Q50 expensive to maintain and are Infiniti Q50 parts expensive? Compared to other luxury vehicles, the Infiniti Q50 is actually cheaper than average to upkeep. Because of how much the maintenance is on the Infiniti Q50, you’re more likely to receive affordable car insurance rates for this luxury vehicle. 

Infiniti Q50 Compared Against other Vehicles in the Same Class

Comparing the Infiniti Q50 to similar vehicles can help you save money, especially it has better insurance loss ratios than other vehicles in its class.

Is the Infiniti Q50 a sports car? No, officially the Insurance Institue for Highway Safety classifies the Infiniti Q50 as a midsize luxury four-door sedan. It is common for a luxury vehicle like the Infiniti Q50 to cost more to insure than basic economy sedans, like the Honda Accord insurance costs. 

To better understand how much the Infiniti Q50 loss ratios are compared to other luxury cars, check out similar four-door luxury sedans in the list below:

• Acura TLX
• BMW 3 Series
• Lexus IS 300

How does the Infiniti Q50 differ from other vehicles in its class? Unfortunately, the loss ratios for this car are not very good, which might cause your insurance rates to increase.

The collision loss ratio for the Infiniti Q50 is considered substantially worse than average at 85 percent. The comprehensive coverage loss ratio is even higher, reaching a grand total of 90 percent. 

The poor loss ratios do not stop there. Unfortunately, the medical payment loss ratio is also substantially worse than average at 69 percent. Finally, the bodily injury liability loss ratio is considered worse than average at 28 percent. 

While the numbers are technically not uncommon for luxury cars, the high loss ratios are a big reason why it is more expensive to insure an Infiniti Q50 than other Infiniti Q50 comparable cars. 

To those wondering will the color of your Infiniti Q50 affect your rate, don’t worry too much. The color of your vehicle will have no effect on your overall car insurance rates. 

On the other hand, the trim you chose might cause your rates to increase or decrease. For example, the Infiniti Q50 red sport insurance costs are higher than the rates for a red basic Infiniti Q50 model. 

No matter what model year you own, your specific trims will have a similar impact on your car insurance premiums. In other words, the 2017 Infiniti Q50 insurance costs will be higher if you opt for the sport package. The same can be said for a 2016 Infiniti Q50, or even a brand new 2020 model. 

We’ve answered the question of why is the Infiniti Q50 expensive to insure; now you are an expert on Infiniti Q50 insurance rates. You’re ready to start comparison shopping. Enter your five-digit ZIP code into our FREE tool to secure the best Infinity Q50 rates right away.