Infiniti M45 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for an Infiniti M45 are $1,728 every 12 months with full coverage. Comprehensive costs on average $418, collision costs $780, and liability coverage is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $3,744. Teenage drivers cost the most to insure at $6,190 a year or more.
Average premium for full coverage: $1,728
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all M45 models.
Price Range Variability
For a driver around age 40, Infiniti M45 insurance rates go from the cheapest price of $438 for just liability coverage to the much higher price of $3,744 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than using average rates.
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.
Detailed Rate Analysis
The chart below details estimated Infiniti M45 insurance rates for different risk profiles and scenarios.
- The best discount rate is $972
- Choosing higher $1,000 deductibles can save around $270 annually
- The average price for a good driver age 40 with $500 deductibles is $1,728
- Using pricier low deductibles for comp and collision coverage increases the price to $2,258
- Drivers who are prone to accidents and violations could pay upwards of $3,744 or more
- Policy cost to insure a teenage driver for full coverage may cost $6,190 each year
Insurance rates for an Infiniti M45 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your M45.
Using high physical damage deductibles can save as much as $800 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $6,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $2,000 to $2,700 extra every year, depending on your age. Infiniti M45 insurance for high-risk drivers ranges around 44% to 129% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Infiniti M45 insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,330 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Best Cheap Infiniti M45 Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having good credit, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates every time your policy renews by requesting rates from direct companies, and also from local exclusive and independent agents.
The list below is a quick review of the information covered above.
- You may be able to save as much as $220 per year simply by quoting online well ahead of the renewal date
- Teenagers pay the highest rates, as much as $516 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $800 each year
- Drivers with a DUI or reckless driving violation may pay on average $2,020 more each year for car insurance
- Consumers who require higher liability limits will pay an extra $410 every year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,258 |
| $250 | $2,012 |
| $500 | $1,728 |
| $1,000 | $1,458 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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