About $1,683 a year for full coverage on a national average — 17% more than the $1,438 average car. Insurers rate the Infiniti M45 at an index of 117 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2008-2010).
The premium isn't spread evenly across the Infiniti M45: Collision — damage to your own car in a crash — carries its highest loss index at 130, while Comprehensive sits at 105. Those 25 points are the real reason behind the price, and they are the part a quote form never shows you. Over 5 generations of data the index has fallen from 132 (2004-2006) to 117 (2008-2010). Calculated from 6 insurance-loss records.
Why a M45 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 $1,683: Liability (BI + PD) $808 · Collision $471 · Comprehensive $202 · Other (UM / PIP) $202.
How it changed by generation
Insurance-loss index of the M45 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 M45 has become cheaper to insure over time (-15 points).
What a M45 costs by state
Where you park matters as much as what you drive. The M45's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | M45 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 M45's loss index of 117 — your own quote also depends on age, record, deductible and ZIP.
Infiniti M45 insurance — frequently asked
How much is insurance for a Infiniti M45?
About $1,683 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 117 applied to the US average premium.
Why is the M45 expensive or cheap to insure?
For the Infiniti M45 the costliest area is Collision at an index of 130, covering damage to your own car in a crash — against 105 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Infiniti M45 lands at 117, 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 M45 can differ by hundreds between two drivers.
How we work this out
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