About $2,330 a year for full coverage on a national average — 62% more than the $1,438 average car. Insurers rate the Infiniti M56 at an index of 162 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2011-2013).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 168, while Comprehensive sits at 159. That gap is the real reason behind the price, and it's the part a quote form never shows you. Worth noting: this car earns 5 stars from NHTSA and still insures above average — crash protection and repair cost are separate things, and insurers price the second one. Calculated from 3 insurance-loss records.
Why a M56 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 $2,330: Liability (BI + PD) $1,118 · Collision $652 · Comprehensive $280 · Other (UM / PIP) $280.
What a M56 costs by state
Where you park matters as much as what you drive. The M56's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | M56 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 this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Infiniti M56
Infiniti M56 insurance — frequently asked
How much is insurance for a Infiniti M56?
About $2,330 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 162 applied to the US average premium.
Why is the M56 expensive or cheap to insure?
Its costliest area is Collision (index 168), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Does its safety rating lower the premium?
Not directly. The M56 holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
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 M56 can differ by hundreds between two drivers.