Cheap Infiniti Auto Insurance in 2025 (Find Savings With These 10 Companies!)

If you’re looking for cheap Infiniti auto insurance, Erie, Geico, and State Farm are the top three companies.

Our Top 10 Company Picks: Cheap Infiniti Auto Insurance

Associated with luxury, performance, and exclusivity, Infinitis have higher-than-average car insurance rates.

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

Finding auto insurance for luxury cars involves comparing companies and deciding the types of coverage you want to purchase. Start saving on your auto insurance by entering your ZIP code below and comparing quotes.

The Cost of Infiniti Auto Insurance

Monthly rates will vary depending on whether you’re paying for full coverage or just the minimum required by your state. The following table will compare monthly rates.

Auto Insurance Monthly Rates for Infinitis by Coverage

These rates will also change based on the model Infiniti you drive. The following table shows the average Infiniti auto insurance rates for several models.

Auto Insurance Monthly Rates by Infiniti Model

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

Comparing Infiniti Vehicles

Presented below is a comparison table of Infiniti vehicles, focusing on safety ratings in comparison to Volvo’s for midsize luxury SUVs.

Safety ratings can be used to your advantage when it comes to auto insurance. The more safety features your vehicle has, the more likely you are to qualify for discounts.

Compare Infiniti Auto Insurance Rates by Model

Understanding the costs associated with auto insurance is essential for Infiniti owners. In this overview, we’ll explore the average insurance expenses for two popular Infiniti models: the FX45 and the Q50. These insights offer valuable guidance for budgeting and selecting appropriate coverage.

Infiniti Auto Insurance by Model

The age of your vehicle is heavily considered, and so is the condition. Vehicles that are kept more pristine, even if they’re an older model, can sometimes save you money on your insurance.

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Required Auto Insurance for Infiniti Vehicles

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.

Factors Affecting Infiniti Auto Insurance Rates

Insurance companies factor in many different variables to calculate your auto insurance rate. Each insurance company has a unique formula to calculate its insurance premiums.

A clean driving record, meaning a lack of tickets, citations, and points, indicates you’re a safe driver and therefore, less likely to cause an accident. This is why it’s important to know how auto insurance companies check driving records and what you should do in order to make yourself a better driver.

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.

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, comprehensive coverage will step in.

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. You can learn more in our Hugo auto insurance review.

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About Infiniti Vehicles

The Infiniti brand is the luxury division of Japanese automaker Nissan. This is why Nissan auto insurance rates will be different from Infiniti prices. 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 Infiniti 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.

10 Best Cheap Infiniti Car Insurance Providers

Erie, Geico, and State Farm are the best for cheap Infiniti car insurance, with starting rates of $32 a month. Still, these aren’t the only reasons these providers stand out:

#1 – Erie: Top Overall Pick

Pros

• Customer Service: High satisfaction ratings have been reported. Learn more with our Erie auto insurance review.
• Competitive Rates: Drivers can apply for a number of discounts.
• Affordable Comprehensive Coverage: Comprehensive auto insurance assists with anything other than an accident.

Cons

• Limited Availability: Erie auto insurance is not offered in all 50 states.
• Expensive Add-Ons: Additional coverage such as rideshare insurance will cost more.

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#2 – Geico: Cheapest With Add-On Coverages

Pros

• Many Add-Ons: Geico offers a variety of unique add-on coverages for Infinitis, such as mechanical breakdown insurance (MBI) and rideshare insurance.
• Mobile App: Drivers can file claims and review their policies easily. Learn more with our Geico auto insurance review.
• Rideshare Offered: If you drive for Lyft or Uber you will need to have rideshare coverage.

Cons

• High Rates After DUI: Geico becomes one of the more expensive policies after a single DUI.
• Claim Handling: Some drivers report claims are sometimes closed as fast as possible without regard to what happened.

#3 – State Farm: Cheapest for Safe Drivers

Pros

• Safe-Driving Discounts: Infiniti drivers enrolled in State Farm’s Drive Safe & Save program could get up to 30% lower rates for driving safely.
• Financial Stability: A++ rating with A.M. Best, which is even better than superior. Learn more with our State Farm auto insurance review.
• Customer Satisfaction: One of the largest companies with high satisfaction ratings from customers.

Cons

• Limited Discounts: There aren’t as many discount opportunities with auto insurance.
• Limited Add-Ons: Drivers won’t be able to get accident forgiveness or new vehicle replacement.

#4 – Progressive: Cheapest With Vanishing Deductible

Pros

• Vanishing Deductible: The Progressive vanishing deductible lowers your insurance deductible by $50 every six months you go claim-free, up to a total of $500.
• Claim Satisfaction: Can file claims online, with an agent, or through the app. Learn more with our Progressive auto insurance review.
• Custom Parts Coverage: If you have custom parts and equipment coverage, your stereo and custom paint job will be covered.

Cons

• Customer Satisfaction: Drivers are reportedly less than satisfied with customer service.
• Teens Pay More: Young drivers will pay more than the average with Progressive.

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#5 – The Hartford: Cheapest With 24/7 Support

Pros

• 24/7 Customer Service: The Hartford offers 24/7 live support for claims and roadside emergencies.
• Discount Options: Over a dozen discounts available, for both driving habits and safety features. Learn more with our The Hartford auto insurance review.
• AARP Benefits: If you’re a member of AARP, you will have additional benefits available.

Cons

• Auto Policy Complaints: There have been reports from customers regarding how often their rates increase.
• High Risk, High Rates: Drivers with a single speeding ticket will see higher than average rates.

#6 – Nationwide: Cheapest for Roadside Assistance

Pros

• Roadside Assistance: Nationwide offers reliable roadside assistance at an affordable rate.
• Excellent Rates for Teens: Younger drivers will see lower rates than the U.S. average.
• Nationwide SmartMiles: Pay-as-you-go option for drivers who are low mileage. Learn more with our Nationwide auto insurance review.

Cons

• High Rates After DUI: Drivers with a single DUI will pay nearly double for coverage.
• No Rideshare: Drivers for Lyft or Uber won’t have coverage while working.

#7 – American Family: Cheapest for Customizable Policies

Pros

• Customizable Policy: Great choices for building your own auto insurance policy and bundling with other insurance products.
• SR-22 Insurance: If you’re a high-risk driver, sometimes you need SR-22 coverage. Learn more with our American Family auto insurance review.
• Gap Coverage: Gap coverage helps pay for what you still owe on a car loan in the event of an accident.

Cons

• Availability: Not available in all states.
• Low Customer Satisfaction: Drivers report poor claim handling as well as lower than average customer support.

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#8 – Farmers: Cheapest with Discounts

Pros

• Discounts Available: You can get a discount for carrying multiple policies, being a good student, and paying your bill on time.
• Vast Coverage Options: You can choose from full coverage to the minimum amount of auto insurance.
• Customer Satisfaction: Drivers report high claim satisfaction rates as well as customer service. Learn more with our Farmers auto insurance review.

Cons

• High Rates: Farmers customers will sometimes pay more than the national average .
• Low Availability: Farmers auto insurance is not offered in every state.

#9 – Allstate: Cheapest for Military Drivers

Pros

• Personal Injury Protection: Also called PIP, this helps pay for medical expenses if you or your passengers become injured after an accident.
• Vehicle-Based Discounts: You can save money if your vehicle has daytime running lights, anti-lock breaks, or a recovery tracking system. Learn more with our Allstate auto insurance review.
• Claim Satisfaction: The Allstate guarantee comes with all policies and will credit you back a portion of the claim if you’re unsatisfied with the amount received.

Cons

• High Rates: Allstate’s minimum coverage begins at around $60 per month which is near double other companies.
• Customer Service Satisfaction: Some drivers report difficulties with claim process and overall customer service.

#10 – Liberty Mutual: Cheapest With Great Service

Pros

• Great Service: Liberty Mutual is known for having great customer service.
• RightTrack: A telematics program that provides a discount based on driving habits, up to 30% on your policy.
• Better Car Replacement: You can get a replacement vehicle a model year newer in the event of an accident. Learn more with our Liberty Mutual auto insurance review.

Cons

• Higher Rates: Liberty Mutual has the most expensive minimum coverage, starting at around $68/month.
• Claim Satisfaction: Drivers have reported lower than average professional handling of claims.

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Finding Low-Cost Infiniti Auto Insurance

Going online and asking 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 of the following information:

• Driver’s license numbers of those who have to be insured
• Vehicle identification number (VIN) of all vehicles to be insured
• The declarations page of your present insurance

Compare quotes from multiple companies for the best deal. Protect your Infiniti for the best price by entering your ZIP code into our free auto insurance quote comparison tool.

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