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Infiniti Insurance – Introduction

If Qs and QSs have become synonyms for sedans and SUVs then Infiniti is to blame for it. Infiniti, the luxury wing from Nissan might have arrived later than its luxury competitors but offers the best in terms of style and technology.

The insurance rates depend crucially on various driving and non-driving factors, the model and make of the car being the major factors among these. Statefarm, Erie, Amica and USAA are cheaper companies to insure your Infiniti with.

Key Takeaways

  • The insurance rates for Infiniti models range anywhere between $1400 and $3900. This varies according to the model, the trim level, age, and location of the driver.
  • Since Infiniti models fall under the category of luxury vehicles, the rates are higher but looking out for discounts provided by the companies can bring down the insurance rates.

The History of Infiniti

Infiniti was launched in the USA in 1989. There followed a series of models after the launch of the Q45 sedan and M30 coupe that made Infiniti a prominent luxury brand in the country. A part of the Renault-Nissan alliance, it was founded in 1989. Apart from its sedans and coupe, it also features sports cars like the famous Infiniti Q50 which shares its lineage with Skyline.

Infiniti Current Market Stats

Infiniti generated total revenue of US$4.1 billion globally in 2020, while the total market revenue was US$1.6 trillion. Small SUVs, Infiniti's largest passenger car segment, account for 34% of revenue in 2020. The revenue of the company is estimated to reach $8.30 billion in 2022 and most of it will be generated in the United States.

How much does it cost to insure an Infiniti?

It costs $2229 yearly on average to insure a car in the make of Infiniti. Being a luxury brand, the insurance costs not only depend on the usual factors, but also on the features and the horsepower. Since Infiniti features sports cars as well, the insurance rates can be higher for these.

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Where can I find cheap Infiniti insurance?

Even though insurance rates can vary with individuals, the model they own, the features it hosts, and even the horsepower. Allied, American Family, USAA, and Nationwide are a few insurance companies that provide cheap insurance for Infiniti cars.

Cheapest Car Insurance Companies for Infiniti

Company Infiniti Q50 Infiniti Q60 Infiniti QX50 Infiniti QX80
USAA $1505 $1632 $1320 $1729
State Farm $2026 $2001 $1454 $1942
Erie $1610 $1563 $1571 $1620
Amica $1710 $1632 $1463 $1669

Infiniti Insurance Cost According to Models

The higher the value of the car, the higher the insurance premium rates. In the case of high-end models like Infiniti, the cost to repair or replace the parts after damage or collision is more, hence, the premium rates are also higher.

Model Average Annual Premium
Infiniti Q50 $2288
Infiniti Q60 $2292
Infiniti Q70 $2552
Infiniti QX30 $1890
Infiniti QX 50 $1876
Infiniti QX 60 $1972
Infiniti QX 80 $2288

Infiniti Insurance Cost According to Coverage

Even though a state-required minimum coverage looks like a cheaper option, it is advisable to opt for full coverage. This will save you from sudden out-of-pocket expenses during an accident or other damage. It will cost $2292 for full coverage of Infiniti Q50 and $526 for its minimum coverage.

Model Minimum Coverage Full Coverage
Infiniti Q50 $526 $2292
Infiniti Q60 $525 $2468
Infiniti Q70 $486 $1818
Infiniti QX30 $324 $1400
Infiniti QX 50 $372 $1606
Infiniti QX 60 $368 $1768
Infiniti QX 80 $495 $2268

Infiniti Car Insurance Rates by State

The place you reside in has an impact on the average premium rates. This is because the insurance providers will calculate the insurance rates based on the crime rates, accident statistics, and other factors like safe parking which is important in the case of luxury models like that of Infiniti.

State Average Annual Rate State Average Annual Rate
Alabama $1916 Nebraska $1962
Arizona $2381 Nevada $2172
Arkansas $2680 New Hampshire $3322
California $3022 New Jersey $4047
Colorado $3668 New Mexico $1134
Connecticut $3798 New York $4995
Delaware $2943 North Carolina $2670
Florida $3653 Ohio $2015
Georgia $3609 Oklahoma $2536
Idaho $1776 Oregon $2425
Illinois $2563 Pennsylvania $3225
Indiana $2465 Rhode Island $5230
Iowa $1758 South Carolina $3399
Kentucky $3095 Tennessee $1772
Kansas $2254 Texas $2699
Louisiana $4094 Utah $2093
Montana $3121 Virginia $2875
Maryland $3895 Washington, D.C. $1976
Michigan $2379 West Virginia $4026
Mississippi $2630 Wisconsin $2523
Massachusetts $2630    

Factors that Contribute to Infiniti Insurance Costs

The features hosted on the high-end luxury models are a major reason for the spike in insurance rates compared to other models. However, the moderation in the insurance rates for different Infiniti models is possible due to the safety features it possesses. The different factors that contribute to the insurance cost of Infiniti models are as follows.

Crash Rate Stats

This varies according to the models and the traffic and travel conditions of a place. But, owing to the nature of these models, the tendency to speed is higher, hence the rates of accidents can also be higher, leading to an increase in the premium rates.

Price of Parts

Being high-end models, the cost of its parts is higher resulting in higher replacement costs after a collision. This makes the insurance rates higher.

Safety Features

The presence of safety features is crucial to bringing the insurance rates considerably lower rates. This can be reasoned to better the safety and anti-theft features, better are the chances to avoid crashes and auto thefts.

  ●  Blind Spot Warnings

The blind spot warning system alerts drivers when a vehicle enters their blind spot is present in many of the recent Infiniti models. If the driver begins to change lanes while a car is in its blind spot, the technology can guide them back to the center of their lane.

  ●  Air Bags

Regardless of the seating arrangement, Infiniti models have airbags for drivers and passengers.

  ●  Panoramic Awareness

The panoramic awareness features present in the Infiniti models help the driver navigate the car with ease. It offers a 360-degree view of the car sending alerts if it detects any object in front, behind, or next to the car.

  ●  Automatic Collision Notifications

This feature is present in the recent models of Infiniti. It sends roadside assistance in case of a collision.

Age, Driving Record and Place of Residence

Regardless of the model of Infiniti you drive, these three factors are crucial for any insurance provider to calculate your insurance rates.

Car Insurance Coverage for Infiniti

Though it can shoot the price of the insurance, it is safer to include full coverage in your policy along with the state-required minimum insurance cover. Here are the different coverage types that can be opted for your Infiniti.

Coverage What it offers
Bodily Injury Liability This is minimum liability coverage. It will cover the damage associated with the injuries caused to a third party.
Property Damage Liability In the event of an accident, you are accountable for, and it will cover the expense of the damage and the repair.
Uninsured and Underinsured Motorist Coverage This proves to be useful in an accident involving an uninsured motorist.
Personal Injury Protection This falls under the minimum liability coverage. This might come in handy to pay your medical expenses in a collision if you live in a no-fault state.
Comprehensive Coverage It covers the expenses of repair from accidents regardless of who is at fault.
Collision Coverage This will cover the expense of repair or replacement for damage caused by fire, weather, vandalism, or even theft.
GAP Insurance In the case of a damaged or stolen car, having GAP insurance helps you pay the outstanding amount.
OEM Replacement Parts After an accident, luxury models like Infiniti can offer good performance only when repaired with original parts. This coverage will ensure that the replacement is done with original parts.
Roadside Assistance Coverage This will assist you with towing or battery replacement in an emergency.
New Car Replacement Coverage If your car is stolen or totaled within a timeframe, then the recent models which are insured under this are eligible for the payment of a new car.

Cost of Insuring Your Infiniti Based on Driving Record and Age

Age and driving record are crucial in categorizing you as a high or low-risk driver. Having a clean record can influence your insurance rates.

Age Speeding Ticket Other Serious Offence Clean Record
18-20 $2520 $1626 $2701
21-24 $2682 $2826 $2512
25-34 $2155 $2475 $2177
35-44 $2363 $3037 $1908
45-54 $2265 $1693 $1863
55-64 $2079 $1558 $2177
65+ $3576 NA $1667

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Is it expensive to buy insurance for an Infiniti?

The insurance rates projected for Infiniti models across the prominent providers show that it Is higher than the national average. When compared to BMW, Mercedes-Benz, and Lexus, the rates for Infiniti might be slightly lower, but it is higher than brands like Aura, and Audi.

Insurance Rates of Infiniti v/s Other Luxury Car Brands

Name of the Brand Average Insurance Cost
Volvo $1660
Lexus $4656
Cadillac $2091
BMW $4055
Audi $3417
Acura $1764
Mercedes $4207
Infiniti $2229

Insurance Rates of Mercedes-Benz v/s Other Popular Car Brands

Name of the Brand Average Insurance Cost
Chevrolet $2618
Dodge $2972
Ford $2093
GMC $3616
Honda $2157
Hyundai $1999
Jaguar $3016
Jeep $1863
Kia $2643
Land Rover $3514
Lexus $3623
Mazda $3101
Nissan $3671
Subaru $3290
Tesla $3953
Toyota $2138
Volkswagen $2350
Mercedes $4207
Infiniti $2229

Which are the cheapest Infiniti models to insure?

Those which are cheap to insure belong to the mid-size and small SUVs which primarily include the QX series and the older models from Infiniti like M56 and Q40. QX 50, though belonging to the luxury SUV series is cheaper to insure as it is compact in nature.

Cheapest Infiniti Models to Insure for 2022

Model Average Annual Rate
Infiniti QX50 $1620
Infiniti QX55 $1732
Infiniti Q40 $1342
Infiniti M56 $1486

Which are the expensive Infiniti models to insure?

Those belonging to the QX series fall under the most expensive Infiniti models to insure. Q60 is expensive as it is a sports car with high-end features.

Most Expensive Infiniti to Insure for 2022

Model Average Annual Rate
Infiniti Q50 $2230
Infiniti QX80 $1988
Infiniti Q60 $1780

How to get Infiniti Insurance with Way.com

It is advisable to do your research before finalizing your insurance provider. Luxury car insurance can be reduced considering the different discounts and coverages the companies provide which suit your needs.

Way.com gives you a head start with the analysis of the best car insurance companies nationally, based on criteria that will surely influence your insurance coverage experience, financial strength, customer service, protection, and price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Which is the cheapest company for insuring an Infiniti?

Your Infiniti insurance rates depend on the typical model of Infiniti you own along with your driving history, age, and location. The cheapest companies to insure your Infiniti are Eire, Amica, USAA, and Nationwide.

How can I save money on Infiniti car insurance?

Maintaining a clean driving record, keeping a good credit score, paying your premium amounts in full, and also comparing the quotes across insurance providers are the hacks you can implement to save on car insurance for your Infiniti.

Is it possible to purchase an Infiniti without having car insurance?

Car insurance is mandatory in every state. Depending on the coverage you opt for, your premium rates will vary. It is important to have the necessary coverage to avoid sudden out-of-pocket expenses in case of collisions, or natural disasters damaging your Infiniti.

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