Buy Cheap Infiniti Auto Insurance in (2024)

Infinitis can cost a bit more than the average car to insure, as it is considered a luxury car brand. However, there will be multiple factors that can affect your Infiniti auto insurance rates and make it harder to find cheap auto insurance, from what model you own to your driving record.

If you want to learn how to find cheap Infiniti auto insurance, continue reading. We cover everything from what coverages you’ll need on your Infiniti to our top tips for reducing auto insurance rates.

Different Types of Coverage for Infiniti Vehicles

You will be legally obligated to carry some coverages, such as coverages required by your state or lender. Other coverages that are add-ons, such as rental car reimbursement insurance, are optional. The best place to start when building your auto insurance policy for your Infiniti is to check what your state requires. You can look at our guide to minimum auto insurance required by state to see what basics you have to carry to drive legally.

Generally, most states require some combination of the following coverages, while lenders will require collision and comprehensive insurance.

• Collision insurance: This coverage helps pay for your Infiniti’s repairs if you crash into another vehicle or object.
• Comprehensive insurance: This coverage helps pay for your Infititi’s repairs if it is damaged from animal collisions, vandalism, falling objects, or weather.
• Liability insurance: This coverage pays for other parties’ medical bills and property damage bills if you cause an accident.
• Medical payments (MedPay) insurance: This coverage helps pay your medical bills, as well as your passenger’s medical bills, if either of you become injured in a car accident.
• Personal injury protection (PIP) insurance: This coverage helps pay for your and your passenger’s medical bills and related medical costs like lost wages if you’re unable to work after an accident.
• Underinsured motorist insurance: This coverage helps pay for damages and medical bills if you are hit by a driver who doesn’t have enough insurance.
• Uninsured motorist insurance: This coverage pays your accident bills if you are hit by a driver who doesn’t have auto insurance coverage at all.

While collision and comprehensive insurance are only required by lenders, they can be useful coverages to carry even if you don’t have a lease or loan on your Infiniti. Otherwise, you won’t have car insurance coverage for your car’s repairs in at-fault accidents. 

We also recommend upping your liability insurance limit if your state’s required limit is low and you can afford to do so. Higher levels of liability insurance can help protect you from being sued if you cause an accident because you can’t afford to pay all of the other parties’ bills.

Average Infiniti Auto Insurance Rates

How much you’ll pay for Infiniti auto insurance partly depends on what model you choose. More expensive Infiniti models cost more to insure than cheaper models because insurance companies have to pay more for repairs and replacement parts. Full coverage auto insurance rates vary by company. Below are some examples of what full coverage will cost for a 30-year-old male driver with a clean record. You can use these to compare any Infiniti quotes you receive to see if you’re getting the best deal. 

Average Monthly Auto Insurance Rates for a 30-Year-Old Male Driver with Full Coverage

What you pay will also depend on the model of your Infiniti vehicle. You’ll find that the cheapest Infiniti models to insure are the Infititi QX30 and Infiniti Q50. A full coverage policy for both of these models averages $157 per month. On the other hand, a full coverage policy for the most expensive model, the Infiniti QX70, costs an average of $170 per month.

In addition to what model of Infiniti you own, your driving record and age will also impact your auto insurance rates. To get an idea of how much auto insurance rates can change, take a look at the average rates displayed below. 

Average Monthly Auto Insurance Rates by Age and Gender

As shown in the table above, your age and gender will both cause your auto insurance rates to fluctuate. Any driver with a DUI, at-fault accident, or traffic ticket will be charged more, as they are more likely to get into an accident in the future and file a claim compared to drivers with clean records. Similarly, younger drivers are also more likely to get into accidents and file claims than older drivers with more driving experience.

Ways to Save Money on Infiniti Insurance

So what can you do to save on your auto insurance for your Infiniti? Take a look at our top saving tips for auto insurance policies below.

• Bundle your insurance policies. Most insurance companies offer a big discount if you buy more than one type of insurance from the insurance company, such as renters and auto insurance.
• Raise your auto insurance deductible. Insurance companies charge you less if you raise your deductible, as you are paying more out of pocket after an accident.
• Shop for auto insurance quotes. Make sure you get multiple auto insurance quotes from different companies, as this will ensure you get the cheapest auto insurance rate for your Infiniti.

In addition, keeping a clean driving record will keep your rates low on your Infiniti, as you are deemed as less of a risk to insure. Insurance companies may even have a safe driving program you can participate in to earn an auto insurance discount. Always look into what types of auto insurance discounts are offered as well, because they may not be immediately applied to your policy.

The Final Word on Cheap Infiniti Auto Insurance

Although Infinitis aren’t the most expensive luxury car to insure, their average auto insurance costs are still a little pricier than other cars. You can lower your rates, however, by keeping a clean driving record and shopping around for auto insurance quotes, no matter what model of Infiniti you own.

To jump right into comparing car insurance rates for your Infiniti, use our free quote comparison tool to find the best rates from auto insurance companies in your area.