How Much Is Car Insurance for the Infiniti M35 and Infiniti M45?
The Infiniti M35 and M45 are luxury sedans that combine style, performance, and comfort. While the M35 comes with a refined V6 engine, the M45 offers more punch with its powerful V8. Both models deliver a smooth ride, premium interiors, and advanced safety features—making them favorites for drivers who want an upscale yet reliable vehicle.
Protecting these sedans with the right insurance isn’t just smart—it’s essential. On average, liability coverage for these vehicles costs around $75 per month, while full coverage averages about $160 per month. Freeway Insurance will help you find an affordable auto insurance policy—even if you’re dealing with a DUI or a higher-risk profile.
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Comparing Insurance Costs for the Infiniti M35 and M45 to Other Luxury Sedans
Insurance costs for the Infiniti M35 and M45 can vary compared to other luxury vehicles due to factors like engine power, repair costs, and theft risk. Here’s how they stack up:
Make/Model | Annual Full Coverage Insurance |
---|---|
Infiniti M35 and M45 | $1,900 |
BMW 5-Series | $2,772 |
Mercedes E-Class | $2,110 |
Audi A6 | $2,655 |
Cadillac STS | $1,618 |
Acura RL | $2,184 |
Lexus GS | $2,448 |
Types of Car Insurance Coverage for a Mid-size Sedan
Owning an Infiniti M35 or M45 is about more than just driving—it’s about enjoying performance and sophistication. Choosing the right type of auto insurance coverage is part of protecting that experience.
Full Coverage
Full car coverage combines liability, collision, and comprehensive insurance, giving your Infiniti protection in almost any situation. Whether it’s a crash on the freeway, a break-in on a city street, or damage from a summer storm, this option acts like a safety net.
For example, imagine leaving your M45 parked overnight and discovering it keyed along the side the next morning. Comprehensive coverage would handle the repair costs without draining your savings. Or think about a highway collision where the front end of your M35 is badly damaged—collision insurance steps in to cover your repairs or replacement. For luxury sedans with higher repair costs, full coverage is often the most reliable choice to protect your investment.
If you’ve already invested in a fancy car, add extra peace of mind: with Freeway Auto Club you get 24/7 roadside assistance—towing, jump-starts, flat-tire help, and lockout service—so nothing interrupts your drive.
State Minimum Liability
Liability insurance is the legal baseline in every state and is designed to cover damages and injuries you cause to others. It’s the least expensive way to stay insured, but it comes with clear limitations.
For instance, if you rear-end another car at a stoplight, liability insurance will help pay for the other driver’s bumper and medical bills—but it won’t cover the dented hood of your Infiniti. State minimums also vary; in Nevada, for example, the limits are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. That’s often enough for minor crashes, but in a serious accident the costs can quickly exceed those limits, leaving you responsible for the difference.
Individual Factors That Influence Pricing for Executive Cars
Insurance companies look at many factors when setting premiums, including:
- Your age and driving record
- Where you live and how you use your vehicle
- The model (the V8-powered M45 generally costs more to insure than the M35)
- Past insurance claims
- Credit score (not used in certain states like California, Hawaii, Massachusetts and Michigan)
How Does a DUI Affect Insurance Rates?
Getting a DUI can upend everything. Beyond penalties like license suspension, fines, and mandatory programs, it flags you as high-risk to insurers. Premiums can double or even triple overnight, and in most states you’ll also need an SR-22 to prove you carry at least the minimum coverage.
For drivers, that means higher costs and fewer insurer options. But with Freeway Insurance, there’s a path forward. We file SR-22s quickly, connect you with companies willing to work with DUI drivers, and help you maintain continuous coverage so your rates can improve over time.
What Are Some Car Insurance Discounts for Sedans?
Driving a luxury sedan doesn’t have to mean paying premium rates for coverage every month. With the right auto insurance discounts, you can lower your costs while still keeping the protection you need.
Here are some of the most common savings opportunities:
- Multi-policy Discount: Bundle your Infiniti insurance with a home, renters, or even another auto policy to unlock extra discounts.
- Safe Driving Discounts: Maintain a clean driving record and insurers often thank you with lower rates.
- Low-mileage Discount: If your M35 or M45 spends more time in the garage than on the road, you could pay less.
- Military Discount: Active-duty service members and veterans may qualify for special pricing.
- Good Student Discount: Younger drivers with strong grades can often see significant savings.
Every driver’s profile is different, so the best way to maximize your discounts is by speaking with a Freeway Insurance agent. They’ll help you stack the savings that fit your lifestyle and bring your Infiniti coverage down to a price that feels right.
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What Are Some of the Characteristics of the Infiniti M35 and Infiniti M45?
Both the M35 and M45 reflect Infiniti’s focus on blending performance with luxury. Key characteristics include:
- Engines: The M35 features a V6 engine, while the M45 steps up with a V8 for added power.
- Comfort: Spacious, leather-trimmed cabins with premium materials.
- Technology: Advanced infotainment, navigation, and available Bose premium audio.
- Safety: Strong crash-test ratings and features like stability control and multiple airbags.
These sedans were designed for drivers who value refinement, but also want a responsive and engaging ride.
Find the Best Car Insurance Rates Online for Infiniti Today
Driving an Infiniti M35 or an Infiniti M45 isn’t just about getting to your destination—it’s about enjoying every mile with confidence and pride. At Freeway Insurance, we make it simple to protect that feeling with affordable car insurance designed around your lifestyle and your vehicle.
Call 800-777-5620, visit a nearby Freeway office, or start your free quote online today. Because your M35 or M45 isn’t just another sedan—it’s your statement of style and sophistication, and it deserves coverage that keeps you moving forward without worry.