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: Jun 4, 2023

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Average insurance rates for an Infiniti M45 are $1,728 a year for full coverage insurance. Comprehensive insurance costs on average $418, collision insurance costs $780, and liability is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs $3,744 or more. Teens receive the highest rates at up to $6,190 a year.

Average premium for full coverage: $1,728

Rate estimates by individual coverage type:

Comprehensive $418
Collision $780
Liability $372

Prices are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all M45 models.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $438 for minimum levels of liability insurance to the much higher price of $3,744 for a driver required to buy high-risk insurance.

Liability Only $438
Full Coverage $1,728
High Risk $3,744

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

Rural Areas $1,296
Small Cities $1,814
Large Cities $2,333

These examples illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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 Rate Details

The chart below illustrates average Infiniti M45 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $972
  • Raising to $1,000 deductibles will save around $270 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,728
  • Selecting pricier low deductibles will cost an extra $530 annually
  • Drivers with serious driving violations could pay upwards of $3,744
  • The cost for full coverage for a 16-year-old driver for full coverage may cost $6,190

View Chart as Image

Infiniti M45 insurance cost comparison chart
Column chart showing Infiniti M45 insurance prices range from $972 to $6,190 for full coverage

Car insurance rates for an Infiniti M45 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $6,100 a year. View Rates by Age

Where you live also has a big influence on Infiniti M45 insurance prices. A middle-age driver might find rates as low as $1,130 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,330 on average in Michigan, New York, and Florida.

Infiniti M45 Insurance Rates by State
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%

View Chart as Image

Infiniti M45 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $800 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,700 extra per year, depending on your age. Infiniti M45 insurance for high-risk drivers is expensive and can cost from 44% to 129% more than the average policy. View High Risk Driver Rates

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 $1,728 $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.

Infiniti M45 Insurance Rates by Model Year
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 Find Affordable Infiniti M45 Insurance

Saving money on insurance for an Infiniti M45 consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a brief review of the data touched on above.

  • Insureds who require higher liability limits will pay approximately $410 annually to raise from a minimum limit to 250/500 limits
  • It is possible to save as much as $220 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $800 each year
  • Teens are expensive to insure, costing up to $516 per month if full coverage is included

Rates by Driver Age

Infiniti M45 Insurance 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

Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,258
$250 $2,012
$500 $1,728
$1,000 $1,458

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
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

Infiniti M45 Insurance 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.

SR-22 Surcharge $243

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
Rate after discounts $972

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

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