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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.
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.
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.
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 |
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 |
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 |
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 |
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.
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. |
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 |
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 |
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 |
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 |
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.
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
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.
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.
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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