Infiniti QX4 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Infiniti QX4 costs about the same as most other SUVs to insure.
• Liability car insurance for a QX4 comes in at about $79 a month, while full coverage normally runs around $146 monthly.
• At sometimes as little as $39 a month for liability only coverage, Premier is the lowest insurance company for a QX4.

QX4 Overview

The Infiniti QX4 is on the more expensive end of the spectrum, with base prices starting at $34,750 for 2003 models.

Based on thousands of auto insurance quotes from Compare.com, we've found that Infiniti QX4 car insurance premiums average out to about $96 per month. But how does that fare against its competitors?

How Much is Car Insurance for an Infiniti QX4?

In the table above, you'll see that insurance prices for an Infiniti QX4 are less expensive than average. On average, QX4 owners can expect to pay around $79 monthly for liability insurance, and about $146 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other Infiniti models, the QX4 is more affordable, with rates around 30% lower than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, QX4 coverage is lower than average, with both liability only and full coverage insurance averaging less expensive prices than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what body style, make, or model they are.

Who has the Cheapest Car Insurance for an Infiniti QX4?

If you're browsing for a new car insurance policy for your Infiniti QX4, you might be wondering which carrier offers the lowest rates. Although premiums can change pretty dramatically from person to person, Shelter Mutual offers the cheapest average rates for liability only coverage, with rates as low as $25 per month. The next most affordable company is Premier, who offers auto insurance as cheap as just $39 monthly.

The third, fourth, and fifth carriers on the list are Oasis, Aspire, and MetroMile. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take several different variables into consideration when calculating monthly premiums. There's only one way to make sure you find the lowest possible rates, and that's by getting quotes from a range of car insurance companies.

What Factors Affect Car Insurance Rates for an Infiniti QX4?

As we mentioned above, there are an array of factors that auto insurance carriers examine to calculate how much they charge you for a policy -- and each carrier weighs different pieces more heavily than others, so there's not a single company that's the cheapest for every QX4 driver.

The following sections show many things insurance companies use to calculate rates:

Vehicle Age

The Infiniti QX4 has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and QX4s continue to depreciate, insurance costs will gradually go lower.

A new Infiniti QX4 model hasn't been added to the market for over 5 years, so the QX4 won't really fit this trend. However, as you can see in the table above, the cheapest Infiniti QX4s to insure are those that are 11 to 14 years old, while the most expensive models are QX4s that are 15 years old or more, on average.

Your Age

Age plays a significant role in how much car insurance carriers will charge. As you can see in the table above, young drivers have higher prices compared to drivers with more experience on the road. In this case, drivers aged 18 to 24 pay $37 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the QX4.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim. Surprisingly, when it comes to QX4 drivers specifically, women and men pay about the same rates a month for auto insurance.

Where You Live

You were probably already aware that factors like how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live has just as much of an impact. Since insurance is regulated on the state level rather than nationally, premiums vary quite a bit depending on what state you reside in.

For example, the average Infiniti QX4 owner in New York pays around $187 monthly for liability coverage. Meanwhile, on average, the same driver from California will pay less than half of that price. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

Infiniti QX4 Car Insurance Discounts

No matter your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance is always a good idea when shopping around for a new policy.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Defensive driving discounts for taking a defensive driving class through a certified school or institution

There are countless ways to save money on your car insurance if you know where to look.

Even though you may not have control of every factor insurance carriers look at to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the variables you can use to your favor in order to save money on auto insurance:

Your Driving Record

You've most likely seen ads from car insurance companies offering large discounts for responsible drivers. And you probably wouldn't be surprised that your auto insurance rates will go higher if you get into an accident or get cited for speeding. But how much will they cost you?

As you can tell from the table above, accidents will usually cost QX4 drivers less than tickets, but both will result in higher than normal rates. Infiniti QX4 drivers with a single ticket will pay an average of $97 per month, while drivers with one accident on their record pay about $90 every month (up $11 from the $79/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is the amount of miles you drive annually. Drivers who are on the roads less are less likely to get into collisions, so they'll typically be offered more affordable premiums. In the above table, you can see that Infiniti QX4 owners who drive 10,000 miles or more pay $86 for car insurance, while those who drive fewer than 2,500 miles each year pay about $60 monthly.

If you drive a limited amount, it may be worth considering pay-per-mile or usage-based insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Infiniti QX4s Compare to Other Vehicles?

If you're thinking about making an Infiniti QX4 your next purchase, it might be helpful to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Infiniti QX4 stacks up:

Overall, the Infiniti QX4 has an average MSRP and is on par with the going rate for a new vehicle. The national average vehicle MSRP is $29,667, and the QX4 comes in close to that at $34,750. And since there hasn't been a new QX4 model on the market in the last few years, used prices will be even cheaper.

But while the purchase price runs about average, auto insurance prices run slightly below average when compared to other vehicles on the market. Liability insurance for an Infiniti QX4 is about $1 per month less than average, while full coverage is more than $30 less a month.

When it comes to usage, Infiniti QX4 drivers are near the national average in annual miles driven, with 11,014 miles per year compared to 11,617 for all vehicles.

Infiniti QX4 Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays to insure an Infiniti QX4. If you're considering buying a new QX4, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

2003 Infiniti QX4 Car Insurance

On average, drivers who own a 2003 Infiniti QX4 can expect to pay $80 to $131 per month for liability only and full coverage insurance, respectively.

MetLife offered the most affordable policy we found, with rates as little as $26 a month.

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

2002 Infiniti QX4 Car Insurance

It costs around $88 per month for liability or $143 for a full coverage policy for the 2002 QX4.

Mercury has premiums as cheap as $26 monthly for the 2002 Infiniti QX4.

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

2001 Infiniti QX4 Car Insurance

The average cost to insure a 2001 Infiniti QX4 with liability only coverage is $81 a month, while full coverage runs about $156 per month.

With prices as little as just $25 monthly, Shelter Mutual offered the lowest policy we found.

Interested in what your auto insurance price will be? Enter your ZIP code below to get a variety of free personalized quotes.

2000 Infiniti QX4 Car Insurance

You can expect full coverage for a 2000 QX4 to run around $136 a month, while liability only coverage will average about $74 per month.

Looking for the cheapest policy? MetroMile offered liability only coverage for sometimes as cheap as $26 monthly.

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

1999 Infiniti QX4 Car Insurance

1999 Infiniti QX4 drivers can expect to pay an average of $76 a month for liability or $167 for full coverage.

With rates as low as just $19 monthly, Kemper offered the most affordable policy we found for the 1999 Infiniti QX4.

If you want to find the best prices for car insurance for a 1999 Infiniti QX4, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

1998 Infiniti QX4 Car Insurance

It costs around $72 per month for liability or $157 for a full coverage policy for the 1998 QX4.

We found AnswerFinancial offered the lowest policy, with rates sometimes as low as $24 monthly.

What could your insurance premium look like? Just enter your ZIP code below to get lots of free customized quotes.

1997 Infiniti QX4 Car Insurance

The average cost to insure a 1997 Infiniti QX4 with liability only coverage is $71 per month, while full coverage runs about $106 a month.

If you're looking for the lowest possible 1997 Infiniti QX4 insurance policy, Oasis offered the most affordable policy we found, with rates as low as just $19 per month.

These average premiums are a great starting point if you're in the market for a 1997 Infiniti QX4, but there are a bunch of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

Infiniti QX4 Insurance FAQs

Is an Infiniti QX4 expensive to insure?

When compared to the national average of all vehicles, the cost of auto insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $79 monthly, while full coverage will cost you around $146.

How can I get the best price on car insurance for my Infiniti QX4?

The only way to ensure you're getting the cheapest price on insurance is to regularly shop around and compare quotes from quite a few carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Infiniti QX4 affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. While there are several variables car insurance carriers look at when they offer rates, your Infiniti QX4's color is not used to make that determination.

Do I need to have insurance before I buy an Infiniti QX4?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) QX4 off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new SUV is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Infiniti QX4?

You will find a variety of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your QX4 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The best way to find out is to contact your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.