Infiniti M45 Insurance Rates

The average insurance rates for an Infiniti M45 are $1,728 a year with full coverage. Comprehensive costs approximately $418, collision insurance costs $780, and liability coverage costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $3,744. Teenage drivers cost the most to insure at up to $6,190 a year.

Average premium for full coverage: $1,728

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all M45 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Infiniti M45 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $972
• Using higher $1,000 deductibles will save $270 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,728
• Using pricier low deductibles for physical damage coverage bumps up the cost to $2,258
• Higher-risk drivers who are prone to accidents and violations could pay around $3,744
• Policy cost that insures a teenage driver for full coverage can cost $6,190 or more

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Insurance rates for an Infiniti M45 also range considerably based on the model of your M45, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,000 to $2,700 extra every year, depending on your age. Infiniti M45 insurance for high-risk drivers can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state has a huge impact on Infiniti M45 insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,330 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $800 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Infiniti M45 Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct companies, and also from local insurance agencies.

Below you'll find a brief review of the data that was covered above.

• You may be able to save around $220 per year just by quoting online well ahead of the renewal date
• Consumers who purchase more liability protection will pay an extra $410 every year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, as much as $516 each month if full coverage is included
• Drivers with DUI or reckless driving convictions may have to pay on average $2,020 more per year than a low-risk driver