About $1,739 a year for full coverage on a national average — 21% more than the $1,438 average car. Insurers rate the Infiniti FX45 at an index of 121 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2006-2008).
The premium isn't spread evenly across the Infiniti FX45: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 141, while Collision sits at 101. Those 40 points are the real reason behind the price, and they are the part a quote form never shows you. Over 3 generations of data the index has fallen from 132 (2004-2006) to 121 (2006-2008). Calculated from 3 insurance-loss records.
Why a FX45 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,739: Liability (BI + PD) $835 · Collision $487 · Comprehensive $209 · Other (UM / PIP) $209.
How it changed by generation
Insurance-loss index of the FX45 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The FX45 has become cheaper to insure over time (-11 points).
What a FX45 costs by state
Where you park matters as much as what you drive. The FX45's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | FX45 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Infiniti FX45's loss index of 121 — your own quote also depends on age, record, deductible and ZIP.
Infiniti FX45 insurance — frequently asked
How much is insurance for a Infiniti FX45?
About $1,739 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 121 applied to the US average premium.
Why is the FX45 expensive or cheap to insure?
For the Infiniti FX45 the costliest area is Comprehensive at an index of 141, covering theft, weather, vandalism, animals — against 101 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Infiniti FX45 lands at 121, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same FX45 can differ by hundreds between two drivers.
How we work this out
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