Infiniti Auto Insurance (2024)

The Infiniti brand is associated with luxury, performance, and exclusivity. Whether you drive one of their sedans, convertibles, SUVs, or their performance line, you are likely to pay a little more for insurance.

Like most other luxury cars, Infiniti auto insurance rates are relatively more expensive since repair and replacement costs are higher than the norm.

Additionally, with the trend of rising insurance rates as found by the New York Times, it is becoming increasingly important for drivers to scour insurance websites for the best possible policies.

Save time looking for affordable Infiniti car insurance by entering your zip into our free quote finder above.

The Cost of Infiniti Auto Insurance

This table shows the average Infiniti auto insurance rates for several models.

Infiniti Car Insurance Rates: Average Monthly Premiums by Model and Coverage Type

Vehicle Model	Comprehensive	Collision	Liability	Full Coverage
Infiniti QX30	$33	$67	$42	$157
Infiniti Q50	$33	$67	$42	$157
Infiniti QX50	$34	$67	$42	$159
Infiniti Q70	$36	$76	$35	$160
Infiniti Q60	$37	$73	$42	$167
Infiniti QX70	$37	$76	$42	$170
Infiniti QX60	$40	$75	$37	$168

Infiniti full coverage auto insurance averages $160 a month. However, many factors affect auto insurance rates, such as your age, driving record, and credit score, so rates vary significantly by the driver.

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About Infiniti

The Infiniti brand is the luxury division of Japanese automaker, Nissan. It was introduced in North America in 1989. The Infiniti line was launched with two models, the Infiniti Q45 and the M30.

The Q45 is a full-sized luxury sedan while the M30 is a two-door sports coupe.

According to their website, the Infiniti brand offers a range of vehicles. From its high-performance lines and sports convertibles, spacious SUVs, and crossovers to its sleek sedans, the company matches luxury with superb execution.

It has also recently launched a hybrid model, the Infiniti M to match the needs of environmentally conscious drivers.

Some of the distinctive Infiniti technologies include safety features such as:

• Backup collision intervention and blind spot intervention
• Hydraulic body motion control and four-wheel active steer for smoother rides
• Lane departure prevention and distance control technology
• iPod integration
• Welcome lighting technology that turns on the inside and outside lights of the car at night as you approach it

Whether you choose to drive the speedy convertible Infiniti G or the roomy Infinity QX SUV, be aware that the cars cost a pretty penny. The Infiniti line can cost between $33,100 and $60,000.

So fire up your computer or talk to your insurance agent to find various affordable offers. Make sure you understand the workings of the insurance industry before you settle on an insurance policy or insurance company.

Why Auto Insurance is Needed

Insurance companies sell auto policies to provide protection for you and your family from catastrophic financial losses when an accident occurs.

The Insurance Information Institute defines automobile insurance as a legal contract between a driver and the chosen insurance company.

The terms of the contract are decided mutually and require the driver to pay a certain sum of money as a premium in exchange for coverage against damage to the driver, passengers, and cars.

Each form of coverage has a certain limit, which is decided through negotiation and stipulated in the policy.

You can buy different kinds of coverage depending on your needs. However, most states require a minimum amount of coverage or proof of financial wherewithal, wherein you can privately pay for damages in case of an accident.

Each state sets different limits. For instance, the New York State Department of Motor Vehicles requires liability coverage of $25,000/50,000 for injury per accident, $50,000/100,000 for deaths per accident, and $10,000 for property damage per accident.

Calculating Auto Insurance Rates

Insurance companies factor in many different variables to calculate your auto insurance rate. Each insurance company has unique formulae to calculate their insurance premiums.

However, almost all insurance companies use certain factors in their equations.

A clean driving record tops the list of considerations.

Lack of tickets, citations, and points indicate that you are a safe driver and therefore, less likely to cause an accident.

The make, model, and year of your automobile can make a sizeable difference in your insurance bill.

A luxury brand like Infiniti is likely to cost more.

Similarly, within the brand, an Infiniti sedan will cost less to insure than its more expensive cousin, the convertible.

The safety features in the vehicle might help lower your cost, so check the safety and crash ratings from the Insurance Institute for Highway Safety!

Where you live will affect your cost of insurance. If you live in an area with a history of catastrophic weather, a high-crime neighborhood, or a congested city, you will pay more.

Demographics such as age, gender, and marital status also matter in insurance calculations.

College graduates, married couples, and women usually pay less than non-graduates, men, and single individuals.

Surprisingly, your job can help or harm your insurance rates. Since some careers require more driving, there is a higher likelihood of accidents. That explains higher rates for some professions.

According to MyFICO, insurance companies use your credit rating to determine your ability to service your debt. The higher your credit score, the lower your insurance rate will be provided your other personal factors are favorable.

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Different Forms of Auto Insurance Coverage

It is very important to understand the finer points of the different forms of insurance you can buy. While it might appear convoluted and overlapping, clarity in insurance matters is essential. You don’t need the stress of deciphering your policy after an accident.

Liability insurance is required by most states and it covers the at-fault driver. It pays for all damages caused to property such as sidewalks, traffic lights, or adjoining buildings.

It also covers medical and funeral costs.

Collision coverage protects your car in case your Infiniti sustains damages or is totaled in an accident. You will be covered for all repairs or for the replacement of your car.

Owners of new cars, expensive cars, and financed cars should consider collision coverage favorably.

Experts recommend comprehensive insurance if you have an expensive car such as an Infiniti model since this pays to repair or replace your car if nature, human error, or criminal behavior damages or totals it.

Whether a deer wandering into your path, theft, vandalism, a flying ball, or a falling air conditioner surprises you, this coverage will be a saving grace.

Uninsured or underinsured motorist insurance protects drivers from other drivers who are at fault in an accident and do not have insurance or have inadequate coverage. This is important to have when you drive a more expensive car to protect your investment.

Personal injury protection (PIP) is meant to pay for medical treatment and funeral costs of the driver and passenger in an at-fault accident.

With the economy stagnating and people tightening their budgets, insurance companies are offering pay-as-you-go insurance. This allows drivers to pay an amount that is commensurate with their driving record and the number of miles being driven.

How to Get Low Auto Insurance Rates

Going online for auto insurance quotes is becoming the norm. However, like any other buying process, you should be prepared for some bargain hunting and some amount of negotiations.

Make a budget for coverage amounts, premiums, and deductibles. Make sure you have an emergency fund in case of an unfortunate accident, whose cost exceeds your coverage.

You can also talk to your friends and family. Find out about their experiences with their insurance companies and ask for recommendations.

Sometimes paying a little more to get top-of-the-line services during the stressful aftermath of an accident is worth the extra cost.

You must explore the different discounts available to you. Sometimes discounts can reduce your bill by up to 50%. So make a list of applicable discounts and ask each company what they offer.

Finally, get together all your information such as:

• Driver’s license numbers of those who have to be insured
• Vehicle Identification Number (VIN) of all vehicles to be insured
• Each person is to be covered with driving records and claim records
• The declarations page of your present insurance

Compare quotes from multiple companies for the best deal.

Buying Infiniti Auto Insurance

Technology has provided consumers with many options nowadays. They can go to consolidator sites and compare offers, talk to an independent insurance agent, or use an insurance company website to raise quotes.

Irrespective of the means, make sure you are making informed decisions about insuring your Infiniti by reading the documents thoroughly. Don’t hesitate to ask questions if the need arises.

Click here to enter your zip code into our free toolbox below and instantly see multiple quotes for Infiniti car insurance.

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