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

Quick Facts

• An Infiniti M Series is more expensive to insure compared to the average car.
• Full coverage insurance for a M Series runs about $200 monthly, on average, while liability only insurance normally averages around $95 a month.
• AmericanAlliance offers the lowest average rates for a M Series with liability only coverage offered for as little as just $47 per month.

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M Series Overview

The Infiniti M Series is on the more expensive end of the spectrum, with a base price of $48,700 for 2013 models. Drive off the dealership lot in style, with four different trim options available.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that average Infiniti M Series car insurance premiums run about $176 monthly. How do insurance prices for the M Series stack up against other similar cars?

How Much is Car Insurance for an Infiniti M Series?

Looking at the table above, you'll find that auto insurance rates for an Infiniti M Series are higher than average. On average, M Series drivers can expect to pay around $95 a month for liability insurance, and about $200 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Infiniti models, the M Series's insurance price is matches the rest of the manufacturer's vehicle lineup. However, compared to other vehicles of a similar body style, M Series coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which model, make, or body style you compare it to.

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Who has the Cheapest Car Insurance for an Infiniti M Series?

If you're browsing for a new car insurance policy for your Infiniti M Series, you might be wondering which company offers the most affordable prices. While costs will usually be pretty different from policyholder to policyholder, Mapfre has the cheapest average rates for liability only coverage, with rates as little as $17 monthly. The runner up for most affordable rates is Aspire, with car insurance policies starting as low as $36 a month.

Rounding out the list are Fiesta, AmericanAlliance, and Sun Coast. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a wide array of variables into consideration when calculating monthly premiums. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from lots of auto insurance carriers.

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What Factors Affect Car Insurance Rates for an Infiniti M Series?

There are a range of pieces that car insurance companies use to choose how much they charge you -- and each carrier uses a different method, so there's not one single company that's the most affordable for every M Series driver.

The sections below show an array of things insurance carriers use to calculate rates:

Vehicle Age

The Infiniti M Series has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and M Serieses continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the M Series won't really fit this trend. However, as you can see in the table above, the cheapest Infiniti M Serieses to insure are those that are 2 to 3 years old, while the most expensive models are M Serieses that are 1 year old or less, on average.

Your Age

How old you are makes a difference in how much you pay for insurance. Based on the information above, younger M Series drivers pay less for auto insurance than drivers who have more experience on the road.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the M Series.

Your Gender

Women typically to pay less for car insurance than men. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim. The Infiniti M Series is no different, and men pay around 24% more than women monthly for insurance.

Where You Live

You might think it's common sense that factors such as what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live has just as much of an impact. Because car insurance is regulated at the state level, rates can shift quite a bit from state to state.

For example, the average Infiniti M Series owner in New York pays about $247 a month for liability coverage, while on average, the same driver in California will pay only a quarter of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Infiniti M Series Car Insurance Discounts

Regardless of how old you are, what state you live in, or which vehicle you drive, using as many discounts as possible when it comes to your insurance is always a smart move when shopping around for a new policy.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate 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 than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

But these aren't the only discounts car insurance companies offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Even though you may not have control of every factor insurance carriers consider to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the things you can use to your favor in order to save money on auto insurance:

Your Driving Record

You've most likely heard ads from car insurance companies promoting big discounts for safe drivers. And you're probably not surprised to hear that your insurance prices will go higher if you get into a collision or get speeding tickets. But you still might be left wondering exactly how much these infractions will cost you.

According to the table above, accidents will usually cost M Series drivers more than tickets, but both will result in above average rates. Infiniti M Series drivers with a single ticket will pay about $110 per month, while drivers with one accident on their record pay an average of $117 each month (up $22 from the $95/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable you have control over is the total amount of miles you drive. Drivers who are on the roads less often are less likely to get tickets, so they'll generally end up paying less for auto insurance. In the above table, you can see that Infiniti M Series owners who drive between 7,500 and 10,000 miles pay $105 for insurance, while those who drive more than 10,000 miles a year pay about $80 monthly.

If you don't use your Infiniti M Series to travel or commute regularly, it may be worth learning about usage-based or pay-per-mile auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Infiniti M Serieses Compare to Other Vehicles?

If you're thinking about buying an Infiniti M Series, it might be helpful to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Infiniti M Series compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Infiniti M Series is on the more expensive side when it comes to price. The M Series goes for $48,700, a bit more expensive than the national average vehicle MSRP of $37,971. And since it's been awhile since a new M Series model has been on the market, used prices will be even more affordable.

Likewise, car insurance rates run above average when compared to other vehicles on the market. Liability insurance for an Infiniti M Series is around $28 per month more than average, while full coverage is over $30 more a month.

When it comes to usage, Infiniti M Series drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the M Series's 11,013 per year.

Infiniti M Series Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much you might pay for insurance. If you're considering buying a new M Series, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

Choose Your Model

2013 Infiniti M Series Car Insurance 2012 Infiniti M Series Car Insurance 2011 Infiniti M Series Car Insurance 2010 Infiniti M Series Car Insurance 2009 Infiniti M Series Car Insurance 2008 Infiniti M Series Car Insurance 2007 Infiniti M Series Car Insurance 2006 Infiniti M Series Car Insurance 2004 Infiniti M Series Car Insurance 2003 Infiniti M Series Car Insurance

2013 Infiniti M Series Car Insurance

On average, drivers who own a 2013 Infiniti M Series can expect to pay $109 to $207 per month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2013 Infiniti M Series insurance policy, Mapfre offered the lowest policy we found, with rates as cheap as just $17 monthly.

If you want to find the best prices for insurance for a 2013 Infiniti M Series, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2012 Infiniti M Series Car Insurance

The average cost to insure a 2012 M Series with liability only coverage is $118 a month, while full coverage runs about $232 per month.

With rates sometimes as little as $29 monthly, Commonwealth Casualty offered the cheapest policy we found for the 2012 Infiniti M Series.

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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2011 Infiniti M Series Car Insurance

It costs around $102 a month for liability or $188 for a full coverage policy for the 2011 Infiniti M Series.

Liberty Mutual has premiums sometimes as cheap as $17 per month for the 2011 Infiniti M Series.

Want to find the most affordable rates? Get lots of personalized quotes for free by just entering your ZIP code below.

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2010 Infiniti M Series Car Insurance

2010 M Series drivers can expect to pay an average of $114 a month for liability or $199 for full coverage.

We found Aspire offered the lowest policy, with rates sometimes as low as $32 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2009 Infiniti M Series Car Insurance

You can expect full coverage for a 2009 Infiniti M Series to run about $197 monthly, while liability only coverage will average around $81 per month.

Clearcover offered the cheapest policy we found, with rates as low as just $28 monthly.

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

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2008 Infiniti M Series Car Insurance

On average, drivers who own a 2008 M Series can expect to pay $112 to $191 a month for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Elephant offered liability only coverage for as cheap as $27 per month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2007 Infiniti M Series Car Insurance

You can expect full coverage for a 2007 Infiniti M Series to run about $191 monthly, while liability only coverage will average around $94 a month.

With prices as cheap as just $20 per month, Mapfre offered the lowest policy we found.

If you want to find the best rates for car insurance for a 2007 Infiniti M Series, enter your ZIP code below and compare many personalized quotes in just a few minutes.

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2006 Infiniti M Series Car Insurance

It costs about $87 monthly for liability or $195 for a full coverage policy for the 2006 M Series.

We found StateAuto offered the cheapest policy, with rates as low as just $18 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2006 Infiniti M Series, you can get free quotes in minutes by just entering your ZIP code below.

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2004 Infiniti M Series Car Insurance

The average cost to insure a 2004 Infiniti M Series with liability only coverage is $74 per month, while full coverage runs around $137 monthly.

If you're looking for the lowest possible 2004 Infiniti M Series insurance policy, Mercury offered the most affordable policy we found, with rates as cheap as $27 a month.

Want to find the best rates? Enter your ZIP code below to get multiple free personalized quotes.

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2003 Infiniti M Series Car Insurance

2003 M Series drivers can expect to pay an average of $92 per month for liability or $189 for full coverage.

FirstChicago has premiums as low as $31 monthly for the 2003 Infiniti M Series.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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Infiniti M Series Insurance FAQs

Is an Infiniti M Series expensive to insure?

Compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $95 a month, while full coverage will cost you around $200.

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

There's only one way to ensure you're getting the lowest rates -- regularly shopping around and comparing quotes from a bunch of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Infiniti M Series affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's just a myth. There are quite a few variables auto insurance carriers examine when they calculate how much your policy will be, but the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy an Infiniti M Series?

Before you can legally drive your new (or new to you) M Series off the dealership lot, you'll need to have a car insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a a new car is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Infiniti M Series?

You will find a range of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the car you drive, but if your M Series has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, talk with your insurance agent and ask about which discounts they offer.