Infiniti FX Car Insurance: How Much Should You Expect to Pay?

The average auto insurance rate for an Infiniti FX averages out to be around $143 per month. Take a look at our most recent guide to learn about how much insurance carriers might charge you to insure your Infiniti FX.

Quick Facts

  • It costs more to insure an Infiniti FX than the average SUV.
  • Liability only auto insurance premiums for a FX come in at around $91 a month, while full coverage usually tends to be about $166.
  • At as cheap as just $22 monthly for liability only coverage, Hugo is the lowest car insurance carrier for a FX.

FX Overview

The Infiniti FX is on the more expensive end of the spectrum, with base prices starting at $44,950 for 2013 models. Drive off the dealership lot in style, with your choice of two different trim options.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Infiniti FX auto insurance rates run around $143 a month, on average. But where does that fall compared to the rest of the market?

Current Base Price$44,950
Body Style(s)SUV
Trim LevelsFX37, FX50
Average Insurance Premium$143/mo.
Cheapest Insurance CompanyHugo

How Much is Car Insurance for an Infiniti FX?

Vehicle Liability Only Full Coverage
Infiniti FX$91$166
All Infiniti Models$97$209
All SUVs$80$151
Average Insurance Premium$81$169

You can see in the table above that compared to other vehicles on the road, Infiniti FX insurance prices are about average. On average, FX owners will pay around $166 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $91 monthly for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the FX is more affordable, with rates about 21% lower than the other vehicle types offered by Infiniti. Compared to SUV offerings from other brands, car insurance for a FX is similarly on the expensive side, with liability only insurance prices coming in around $11 more and $15 more for full coverage.

Compared to all vehicles, regardless of body style, model, or make, insurance premiums for both full coverage and liability only policies run more expensive than average.

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Who has the Cheapest Car Insurance for an Infiniti FX?

Insurance Company Average Monthly Premium
Hugo$22
Workmens$33
American Family$34
Encompass$35
Safeway$40

Are you looking for a car insurance policy for your Infiniti FX? You might be most interested in which company offers the lowest rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $22 per month from Hugo. The next most affordable carrier is Workmens, who offers car insurance as cheap as $33 a month.

Rounding out the list are American Family, Encompass, and Safeway. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Infiniti FX.

After all, your results might be different, since insurance carriers look at many factors when calculating rates. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from quite a few auto insurance companies.

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What Factors Affect Car Insurance Rates for an Infiniti FX?

There are an array of variables that car insurance carriers use to decide how much to charge for a policy -- and every company weighs certain variables more than others, so there's not one carrier that's the lowest for each driver.

Keep reading to learn which things insurance companies look at and how they affect your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 Years$77
4-5 Years$66
6-7 Years$83
8-10 Years$78
11-14 Years$90
15 Years or Older$110

The Infiniti FX has been around for a while, so vehicle age will likely make a difference in what you end up paying for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and FXs continue to depreciate, insurance costs will gradually get lower.

A new Infiniti FX model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Infiniti FXs to insure are those that are 15 years old or more, while the cheapest models are FXs that are 4 to 5 years old, on average.

Your Age

Age Average Monthly Premium

Age makes a big difference in how much insurance carriers will charge you for car insurance. Based on the information in the table above, those who have more experience on the road pay less compared to drivers who are under 18. Infiniti FX drivers under 18 actually pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for FX drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$96
Female$85

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, women generally pay less for auto insurance than men. The Infiniti FX follows this convention, and men pay about $11 more than women per month for car insurance.

Where You Live

State Average Monthly Premium
California$58
Florida$157
Georgia$113
Illinois$44
New York$232
North Carolina$53
Ohio$50
Pennsylvania$93
Texas$66
Virginia$59

You were probably already aware that variables such as how old you are and what vehicle you drive play a role in your insurance rates, but you may not realize that where you live is just as important. Auto insurance is regulated on the state level rather than nationally, so premiums can fluctuate quite a bit from state to state.

For example, the average Infiniti FX owner from New York pays around $232 monthly for liability coverage, while on average, the same driver in California will pay less than 50% of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Infiniti FX Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your auto insurance policy is always important.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Multi-vehicle discounts for insuring more than one of your cars with the same carrier
  • Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than in monthly installments
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While taking advantage of discounts is always a smart way to save money on your insurance, some of the best ways to save are just by having a positive insurance profile and good driving history.

While you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the factors you can use to your advantage in order to save on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$191
1 Ticket$123
Multiple Tickets$123

You've no doubt observed ads from auto insurance companies promoting big discounts for good drivers. It checks out that your insurance premiums will get higher if you get tickets or get into an accident. But you're probably wondering exactly how much these infractions can cost you.

Based on the table above, accidents will usually cost FX drivers less than tickets, but both will cause a significant increase in rates. Infiniti FX drivers with one accident on their record pay about $94 each month (up $3 from the $91/mo. overall average), while drivers with a single ticket will pay an average of $123 per month. The rates only go higher the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$82
2,501-5,000 Miles$85
5,001-7,500 Miles$101
7,501-10,000 Miles$94
10,000+ Miles$89

Another variable that affects your auto insurance prices is how much you drive annually. Drivers who are on the roads less often are less likely to get speeding tickets, so they'll typically be offered more affordable premiums. Based on the table above, you can see that Infiniti FX owners who drive fewer than 2,500 miles every year pay about $82 monthly for insurance, while those who put 10,000 miles or more on their cars pay $89.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Infiniti FXs Compare to Other Vehicles?

If you're considering purchasing a new vehicle and an Infiniti FX is on your shortlist, it might be helpful to do your homework. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Take a look at the table below to see how the Infiniti FX compares:

Infiniti FX National Average
Liability Insurance$91$81
Full Coverage Insurance$164$169
Base MSRP$44,950$37,971
Average Annual Mileage13,06611,617

Overall, the Infiniti FX has an average MSRP and is in line with the going rate for a new vehicle. The national average vehicle price is $37,971, and the FX comes in close to that at $44,950. And since it's been awhile since a new FX model has been on the market, used prices will be even less expensive.

But while the purchase price runs about average, auto insurance rates are slightly higher when compared to other vehicles on the market. Full coverage insurance for an Infiniti FX is about $5 a month cheaper than average, while liability only coverage is $10 higher a month.

When it comes to usage, Infiniti FX owners drive more miles annually than the national average, with 13,066 miles a year compared to 11,617 for all vehicles.

Infiniti FX Car Insurance Costs by Model Year

You've seen how different things can affect a driver's car insurance prices. But if you're thinking about buying a new vehicle and the FX is one you're considering, having a good idea of exactly how much you'll pay can be helpful as you consider your options.

2013 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$164
Base MSRP$44,950
Cheapest Insurance CompanyDirectGeneral - $47/mo.
Available TrimsFX37, FX50

It costs around $91 per month for liability or $164 for a full coverage policy for the 2013 FX.

Looking for the cheapest policy? DirectGeneral offered liability only coverage for as low as $47 monthly.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2013 Infiniti FX, you can get free quotes in minutes by just entering your ZIP code below.

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2012 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$129
Full Coverage Avg. Premium$164
Base MSRP$43,700
Cheapest Insurance CompanySafeAuto - $44/mo.
Available TrimsFX35, FX50

2012 Infiniti FX drivers can expect to pay an average of $129 a month for liability or $164 for full coverage.

SafeAuto offered the most affordable policy we found, with rates sometimes as low as $44 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

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2011 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$165
Base MSRP$42,600
Cheapest Insurance CompanyMetLife - $24/mo.
Available TrimsFX35, FX50

The average cost to insure a 2011 FX with liability only coverage is $88 per month, while full coverage runs about $165 a month.

With premiums sometimes as little as $24 per month, MetLife offered the lowest policy we found for the 2011 Infiniti FX.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$93
Full Coverage Avg. Premium$172
Base MSRP$42,850
Cheapest Insurance CompanyClearcover - $25/mo.
Available TrimsFX35, FX50

You can expect full coverage for a 2010 Infiniti FX to run around $172 monthly, while liability only coverage will average about $93 a month.

We found Clearcover offered the cheapest policy, with rates as little as $25 per month.

Interested in what your car insurance price could look like? Get several free customized quotes by just entering your ZIP code below.

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2009 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$168
Base MSRP$42,150
Cheapest Insurance CompanyHugo - $21/mo.
Available TrimsFX35, FX50

On average, drivers who own a 2009 FX can expect to pay $79 to $168 monthly for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2009 Infiniti FX insurance policy, Hugo offered the most affordable policy we found, with rates as low as just $21 a month.

If you want to know exactly how much you can expect to pay for your FX, get free quotes in minutes by just entering your ZIP code below.

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2008 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$159
Base MSRP$38,050
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsFX35, FX45

It costs around $74 per month for liability or $159 for a full coverage policy for the 2008 Infiniti FX.

With prices sometimes as cheap as $18 a month, Hugo offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2008 Infiniti FX, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2007 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$93
Full Coverage Avg. Premium$156
Base MSRP$37,800
Cheapest Insurance CompanySun Coast - $27/mo.
Available TrimsFX35, FX45

On average, drivers who own a 2007 FX can expect to pay $93 to $156 monthly for liability only and full coverage car insurance, respectively.

Sun Coast has premiums as little as just $27 a month for the 2007 Infiniti FX.

Want something more accurate than nationwide averages? Get lots of personalized quotes for free by just entering your ZIP code below.

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2006 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$182
Base MSRP$37,800
Cheapest Insurance CompanyMercury - $24/mo.
Available TrimsFX35, FX45

2006 Infiniti FX drivers can expect to pay an average of $94 monthly for liability or $182 for full coverage.

Mercury offered the lowest policy we found, with rates as low as $24 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2005 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$96
Full Coverage Avg. Premium$176
Base MSRP$35,100
Cheapest Insurance CompanyStateAuto - $24/mo.
Available TrimsFX35, FX45

You can expect full coverage for a 2005 FX to run about $176 a month, while liability only coverage will average around $96 per month.

With prices sometimes as cheap as $24 monthly, StateAuto offered the most affordable policy we found for the 2005 Infiniti FX.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2004 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$151
Base MSRP$34,550
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsFX35, FX45

The average cost to insure a 2004 Infiniti FX with liability only coverage is $90 a month, while full coverage runs about $151 per month.

If you're looking for the most affordable 2004 Infiniti FX insurance policy, Mercury offered the lowest policy we found, with rates sometimes as little as $19 monthly.

Want something more accurate than national averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing a wide array of personalized quotes from the nation's top insurance carriers.

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2003 Infiniti FX Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$157
Base MSRP$34,200
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsFX35, FX45

2003 FX drivers can expect to pay an average of $101 per month for liability or $157 for full coverage.

With premiums as cheap as $21 a month, Clearcover offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your FX, just enter your ZIP code below and get several free quotes in minutes.

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Infiniti FX Insurance FAQs

Is an Infiniti FX expensive to insure?

Liability insurance runs an average of $91 monthly, while full coverage will cost you around $166. When compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Infiniti FX?

The only way to guarantee you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from a multitude of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Infiniti FX affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's simply not true. Even though there are a variety of factors insurance companies consider when they decide how much to charge you, your FX's color is not used to make that determination.

Do I need to have insurance before I buy an Infiniti FX?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your auto insurance carrier before you buy.

What car insurance discounts can I get for my Infiniti FX?

There are a multitude of different discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Infiniti FX and more on you, but if your FX has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to know for sure is to contact your insurance company and ask about their discounts, since they change quite a bit from carrier to carrier.

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