Infiniti is the luxury vehicle division of Japanese automaker Nissan. Nissan started selling this brand in 1969 in North America. In 2012, Infiniti moved its corporate headquarters from Japan to Hong Kong.
If you are considering an Infiniti purchase, you may want to get a tentative Infiniti car insurance quote before making your decision.
TrustedChoice.com's find-an-agent tool will match you up with a local agent ready to shop multiple carriers to find the best rate.
You’ll need several forms of coverage to protect you and your Infiniti.
What Kind of Insurance Do You Need for Your Infiniti?
No one is immune to accidents on the road or random events that can damage your car when it's not being driven. For these reasons, it's crucial to have the proper insurance.
You can choose from a wide variety of coverages, even though not all are mandatory. It still may be a good idea to purchase additional coverage just in case. An independent insurance agent can help you weigh the risks and benefits.
Most states mandate the following:
Bodily injury liability: If other drivers, passengers, or pedestrians are injured because of your driving, this insurance protects you against damage related to claims for medical expenses and lost wages. It only covers third parties.
Property damage liability: If you cause damage to someone else's property such as a car, fence, or house, this insurance pays for the damage. It will not cover any damage to your vehicle.
Additionally, many states require this coverage:
Medical payments/Personal injury protection: Also known as personal injury protection (PIP), this insurance will reimburse you and any of your passengers if you experience injuries and lost wages as a result of not being able to return to work because of an accident. It doesn't matter if you were at fault or not.
Uninsured motorist coverage: Every day you're on the road with drivers who may be underinsured or be carrying no insurance at all. If you're in an accident with one of these drivers, uninsured and underinsured motorist coverage protects you.
Collision: Even though property liability will cover any damage to other people's property, it does not pay for any damage to your vehicle. Collision insurance pays for damage to your vehicle after a collision with another car or object.
Comprehensive: Lots of things can go wrong aside from colliding with someone else or their property. If your car sustains damage from something like a storm, fire, or falling object, comprehensive insurance provides reimbursement for damage.
Glass: Windshield cracks and chips are some of the most common claims submitted to insurance companies. This claim can run you several hundred dollars to repair. Glass coverage is usually very affordable and covers the cost of a windshield repair or replacement.
Gap: If you owe more on your car than it’s worth, it’s a good idea to purchase gap insurance. Gap coverage protects in the event your vehicle is declared a total loss by paying out the difference between what you owe and what the car is worth.
What Affects the Cost of Auto Insurance for Your Infiniti
Your annual mileage
If you have a long commute and drive a lot of miles, your car insurance rates will be higher than for someone who only drives a few miles per day.
Your driving record
Moving and traffic violations on your record increase your car insurance premiums. These violations can stay on your record for several years but depending on the violation you may get it dropped off your record. Your independent insurance agent can help you determine when certain violations will be removed from your record.
The value of your vehicle
More expensive vehicles cost more to insure. A brand new Infiniti can be costly depending on the model, and is something to keep in mind when shopping for the right model and year for you.
|Starting prices of 2020 Infiniti models:|
How does my location affect the cost of my Infiniti?
Drivers who live in a larger city will have higher premiums than those who live in a small town. In more populated areas, there are further chances for incidents like accidents and theft.
How does safety affect the cost of my Infiniti?
Vehicle safety is taken into high regard when setting insurance premiums. While each Infiniti model will have its own safety ratings, it's important to investigate this further before purchasing. Unfortunately, not all Infiniti models have very high safety rankings from the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS). Your insurance agent can help you understand the safety ratings of your vehicle and how it might impact your insurance.
Average Cost of Infiniti Insurance
The average middle-aged driver with a clean driving record and $500 deductible will pay around $1,300 to insurance an Infiniti. For teen drivers and those who are considered high-risk, that number increases immensely. Teen drivers can expect to pay as much as $6,048 and high-risk drivers are looking at rates around $3,600.
What States Are Most Affordable and Least Affordable for Infinity Insurance?
Estimated annual car insurance premiums in the United States:
|Most expensive states:|
|Most affordable states:|
How Can You Save on Infiniti Insurance?
There are quite a few ways you can save money on your Infinity insurance policy. Most insurers offer these discounts:
- Good student discount
- Anti-theft device discount
- Affinity discount
- Good driver discount
- Multi-line discount
- Multi-vehicle discount
Ask your independent insurance agent to advise you on additional ways you can save money on your insurance.
Top Insurance Companies That Insure Infiniti
No two insurance companies are the same. You want a company that's reliable, responsive, and trustworthy. The US Independent Insurance Agent Satisfaction Study by JD Power gave the following companies high marks:
Your agent can guide you in choosing the best company for your needs.
Get an Infiniti Insurance Quote
There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured your needs are taken care of. Let an independent insurance agent get you an auto insurance quote today.