Best Auto Insurance for Infinitis in 2025
Nationwide, USAA, and Liberty Mutual lead with the best auto insurance for Infinitis. Infiniti car insurance starts at $115 monthly, but Nationwide lowers rates by up to 40% with usage-based plans. However, Infiniti G35 insurance runs higher, so compare auto insurance quotes online to find better rates.
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Table of Contents
Table of Contents


Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson


Senior Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier


Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as ...
Justin Wright
Updated October 2025
Nationwide, USAA, and Liberty Mutual offer the best auto insurance for Infinitis. USAA is the best Infiniti car insurance company for military drivers, starting at $152 per month.
- Infinitis are considered luxury cars and come with higher rates
- The cheapest Infiniti car insurance is $115 per month
- Nationwide offers a 40% usage-based discount to Infiniti drivers
Nationwide leads with the biggest discounts, offering up to 40% off for safe drivers and 20% off for bundling Infiniti auto insurance with homeowners insurance coverage.
Liberty Mutual rounds out the top three with incentives and discounts for new Infiniti models. Infinitis require luxury car insurance, and these top 10 companies provide tailored coverage for high-end vehicles.
Our Top 10 Company Picks: Best Auto Insurance for InfinitisCompany | Rank | Claims Satisfaction | A.M. Best | Best for |
---|---|---|---|---|
#1 | 728/1,000 | A+ | Usage-Based Plans | |
#2 | 726/1,000 | A++ | Military Savings | |
#3 | 717/1,000 | A | New Models | |
#4 | 710/1,000 | A++ | Cheap Rates | |
#5 | 706/1,000 | A | Local Agents | |
#6 | 704/1,000 | A | Online App | |
#7 | 692/1,000 | A++ | MBI coverage | |
#8 | 691/1,000 | A+ | Deductible Rewards | |
#9 | 684/1,000 | A++ | Accident Forgiveness | |
#10 | 672/1,000 | A+ | Loyalty Rewards |
Keep reading for more ways to compare the top insurance companies and save on Infiniti insurance.
Unlock customized Infiniti policy options right now by entering your ZIP code into our free comparison tool.
Compare Infiniti Auto Insurance Rates
Since it’s considered a luxury vehicle, Infiniti owners face a wide range of pricing based on their provider and coverage needs.
Learn what factors impact Infiniti car insurance the most, like age, gender, and coverage level, so you can get better rates.
Infiniti Auto Insurance Monthly Rates by Coverage LevelInsurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$144 | $266 | |
$149 | $409 | |
$173 | $326 | |
$149 | $336 | |
$163 | $238 | |
$158 | $250 | |
$154 | $313 | |
$139 | $220 | |
$167 | $241 | |
$152 | $176 |
For instance, most companies offer minimum coverage monthly rates between $150 and $160. However, a $150 gap exists between Allstate’s $409 full coverage monthly rate and Nationwide’s $250 per month rate, which totals $1,800 more per year for the same Infiniti.
USAA’s $176 monthly full coverage rate is the lowest overall, but you’re only eligible for coverage if you’re a military member. State Farm is the cheapest for most drivers nationwide, but compare quotes online to find the right fit for you.
When driving a luxury vehicle like an Infiniti, you will want to carry more than the state-required minimum liability coverage (Read More: Best Auto Insurance For Luxury And Exotic Vehicles).
Full coverage with collision and comprehensive coverage is a must since even a minor accident could cost over $3,000 in repair costs.
How Model Impacts Infiniti Insurance Rates
Not all Infiniti premiums are priced the same. Providers look at how often certain models get into accidents and what it costs to fix them.
For instance, the monthly rate for Infiniti G37 insurance is slightly more expensive than the Infiniti G35 insurance cost since the G37 is the upgraded model. Newer models tend to carry higher premiums due to costlier post-accident repairs.
Infiniti Auto Insurance Monthly Rates by ModelVehicle Model | Minimum Coverage | Full Coverage |
---|---|---|
Infiniti EX | $130 | $224 |
Infiniti FX | $134 | $233 |
Infiniti G35 | $126 | $217 |
Infiniti G37 | $131 | $223 |
Infiniti I30 | $116 | $202 |
Infiniti I35 | $119 | $206 |
Infiniti M35 | $137 | $238 |
Infiniti M37 | $140 | $245 |
Infiniti Q50 | $148 | $259 |
Infiniti Q60 | $154 | $269 |
Infiniti Q70 | $146 | $256 |
Infiniti QX30 | $144 | $251 |
Infiniti QX50 | $151 | $262 |
Infiniti QX56 | $157 | $272 |
Infiniti QX60 | $155 | $268 |
Infiniti QX70 | $158 | $275 |
Infiniti QX80 | $166 | $286 |
Coupes with power and performance tend to bring higher claim costs and more expensive repairs, like Infiniti Q60 insurance, especially under comprehensive auto insurance policies, which cover things like theft or weather damage.
On the flip side, older models like the I30 and I35 cost less to insure because they’re cheaper to replace and usually don’t need high-tech parts. Crossovers like the EX and FX hover in the middle since they’re more practical but still carry AWD systems and moderate repair bills.
Infiniti QX60 vs. Similar SUVs: Auto Insurance Monthly RatesVehicle Type | Minimum Coverage | Full Coverage |
---|---|---|
Infiniti QX60 | $155 | $268 |
Acura MDX | $95 | $165 |
Audi Q7 | $120 | $210 |
Buick Enclave | $90 | $155 |
Cadillac XT6 | $105 | $180 |
Honda Pilot | $94 | $173 |
Hyundai Palisade | $88 | $150 |
Kia Telluride | $89 | $152 |
Toyota Highlander | $85 | $145 |
Volkswagen Atlas | $98 | $165 |
Infiniti Q60 car insurance is also priced higher when compared to the Audi Q7 and the Cadillac XT6. The Toyota Highlander and Buick Enclave cost less to repair, which is why they cost $30-$40 less per month (Read More: Best Auto Insurance for Toyotas).
As Infiniti car insurance costs fluctuate by model, it’s important to compare quotes to find the best deal. Infiniti insurance rates drop as vehicles age, not just because of depreciation but also due to lower repair values and diminished market replacement costs.
The Infiniti Q50 and Infiniti M37 car insurance rates can cost more due to advanced tech like parking sensors and adaptive cruise control, which aren’t cheap to fix.
And if you’re under 25 and driving a G35, expect a bump in rates since insurers see more claims from young drivers.
How Your Driving Impacts Infiniti Insurance Rates
Since younger drivers have less experience behind the wheel, Infiniti car insurance rates stay high until drivers turn 25.
For instance, teen drivers under 18 pay over $400 per month for minimum coverage. And Infiniti insurance premiums fluctuate not just with age but with every driving misstep.
You can compare cheap auto insurance for teens to find better rates, but as long as you maintain a clean driving record, you can expect your Infiniti insurance to drop significantly after turning 25 and again after you turn 30.
However, a single ticket bumps monthly costs by $40, a steep penalty of nearly $500 a year. And companies are much less forgiving after an accident, raising rates by $100 or more per month.
Infiniti Auto Insurance Monthly Rates by Driving RecordCompany | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$144 | $180 | $216 | $288 | |
$149 | $186 | $224 | $298 | |
$173 | $216 | $260 | $346 | |
$149 | $186 | $224 | $298 | |
$163 | $204 | $245 | $326 | |
$158 | $198 | $237 | $316 | |
$154 | $193 | $231 | $308 | |
$139 | $174 | $209 | $278 | |
$167 | $209 | $251 | $334 | |
$152 | $190 | $228 | $304 |
State Farm has the best Infiniti auto insurance after an accident at $209 monthly, while a driver with one DUI in an Infiniti pays around $300 monthly.
Most providers double rates after a single DUI. If you’re a high-risk driver, learn proven hacks to save more money on car insurance fast.
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Infiniti Car Insurance Coverages
Carrying minimum liability will get you the cheapest car insurance for your Infiniti. However, your state laws may also require PIP, medical payments, or uninsured motorist coverage, which will increase rates.
Drivers who want to add roadside assistance or rental reimbursement to their Infiniti car insurance will also see a rate increase.
Auto Insurance Coverage Options for InfinitisCoverage Type | Description |
---|---|
Liability | Covers injuries and property damage to others |
Collision | Covers damage to your car in a crash |
Comprehensive | Covers theft, fire, vandalism, etc. |
Uninsured Motorist | Covers you if the other driver is uninsured |
Medical Payments | Pays for your medical expenses |
Personal Injury (PIP) | Covers medical + lost wages (some states) |
Gap Insurance | Covers car loan balance if car is totaled |
Roadside Assistance | Covers towing and minor roadside help |
Rental Reimbursement | Covers rental car while yours is repaired |
However, Nationwide is known for its usage-based and multi-policy bundling discounts that offset high rates.
Liberty Mutual is also highly rated for its new car replacement and tailored coverage for luxury vehicles like Infinitis, so it pays to shop around.
Tips to Save Money on Infiniti Auto Insurance
Saving money on your Infiniti insurance doesn’t mean stripping away vital coverage. Start using smart strategies that align with how you actually drive.
Take these steps to lower your costs and find out other ways you’re wasting money on your car. These little moves add up and give you more control over what you’re really paying to keep your Infiniti covered.
- Increase Your Deductible: If you’re okay with a higher deductible and paying more out-of-pocket for a claim, your monthly rate drops.
- Raise Your Credit Score: Pay bills on time, including your auto insurance premiums, to raise your credit score and lower your Infiniti insurance rates at your next renewal.
- Park in a Garage: Some providers offer discounts to drivers who park their Infiniti in a garage or covered spot to reduce the risk of damage and theft.
Companies that specialize in luxury auto insurance, like Liberty Mutual, will offer more competitive rates for things like new car replacement and agreed-value coverage.
Usage-based policies can lower Infiniti insurance premiums well below the market average. Nationwide’s 40% SmartRide UBI discount could reduce a $300 monthly Infiniti rate to $180.
State Farm offers a 30% UBI discount through Drive Safe & Save, which can trim Infiniti premiums by over $100 monthly for safe drivers.
Check out our definitive guide to usage-based car insurance to see how your safe driving habits, combined with these modern features, could lower your Infiniti insurance rate.
If you commute less than 10,000 miles per year, a usage-based policy could significantly lower what you pay without reducing your coverage.
Chris Abrams Licensed Insurance Agent
Not all drivers will qualify for usage-based coverage, especially if you have a high-risk record. But that doesn’t mean your Infiniti insurance rates have to stay high.
Drivers with luxury cars can also earn discounts for specialized features in their Infinitis, including airbags and advanced security systems.
Discounts That Lower Infiniti Auto Insurance Rates
Discounts for safe driving or paying in full can sharply reduce Infiniti insurance costs. Travelers’ consistent 15% pay-in-full discount can benefit drivers who pay up front.
Nationwide gives safe drivers who sign up for usage-based insurance the biggest discount of 40%, while other top providers give up to 30% off (Learn More: Car Insurance Discounts You Can’t Miss).
Top Auto Insurance Discounts for Infiniti DriversCompany | Bundling | Green/EV | Pay-in-Full | Usage-Based |
---|---|---|---|---|
15% | 5% | 15% | 30% | |
25% | 7% | 10% | 30% | |
20% | 8% | 10% | 30% | |
25% | 5% | 10% | 25% | |
20% | 8% | 12% | 30% | |
20% | 10% | 15% | 40% | |
17% | 5% | 15% | 25% | |
17% | 5% | 15% | 30% | |
13% | 10% | 15% | 30% | |
10% | 10% | 20% | 30% |
USAA combines a 30% military discount with a 20% discount for paying in full, giving qualified members a nearly 50% premium reduction on eligible Infiniti policies.
Understanding how these specific discounts work together is essential for getting the cheapest Infiniti auto insurance rates.
Top 10 Providers of Infiniti Auto Insurance
Nationwide, USAA, and Liberty Mutual have the best auto insurance for Infinitis due to their competitive pricing and specialized discounts.
USAA is one of the cheapest Infiniti auto insurance companies, as well as one of the largest, along with Geico and Allstate.
These five providers write the most Infiniti car insurance policies, but cannot match the customer service and policy customization offered by our top three providers.
Infiniti drivers often face above-average premiums due to luxury repair costs, but comparing companies before you buy to find strategic savings can offset high monthly rates.
Comparing multiple quotes online helps identify which company offers the most value based on your driving habits, vehicle use, and available discount programs.
Explore expert tips on how to buy auto insurance for Infinitis and get started with our free quote comparison tool.
#1 – Nationwide: Top Pick Overall
Pros
- SmartRide Savings: Enrolling in Nationwide SmartRide UBI can reduce rates by up to 40% through monitored braking, mileage, and nighttime driving.
- OEM Endorsement Add-On: Nationwide allows Infiniti owners to add OEM parts coverage to ensure manufacturer-quality repairs post-collision.
- 20% Bundling Discount: Bundling Infiniti coverage with other policies yields a 20% discount. Compare savings in our Nationwide Insurance review.
Cons
- Delayed Discount Activation: Infinitis must be driven safely for multiple weeks before full SmartRide savings apply.
- Limited Rental Coverage: Nationwide’s standard policy offers basic rental car reimbursement, which may not fully cover Infiniti rental class costs.
#2 – USAA: Best for Military Savings
Pros
- Exclusive Discounts: Infinitis kept in long-term storage on military bases qualify for up to 60% off with USAA’s vehicle storage option.
- Financial Service Packages: USAA offers military members full banking and investment services with Infiniti insurance plans.
- Excellent Financial Rating: USAA holds an A++ A.M. Best rating, ensuring timely Infiniti repair reimbursements and claim settlements.
Cons
- Eligibility Restriction: Only military members, veterans, or their families can buy from USAA. See how military families qualify in our USAA insurance review.
- No New Car Replacement: Unlike other insurers, USAA lacks a dedicated new car replacement endorsement for new Infiniti models.
#3 – Liberty Mutual: Best for New Infiniti Models
Pros
- Better Car Replacement: If a new Infiniti is totaled, Liberty Mutual replaces it with a newer model under its Better Car Replacement program.
- Multi-Policy Discount: Infiniti policyholders bundling Liberty Mutual renters or homeowners insurance receive the maximum 25% discount.
- 12-Month Rate Guarantee: Liberty Mutual locks in Infiniti premiums for 12 months under its Guaranteed Rate policy option.
Cons
- Low Customer Satisfaction: Liberty Mutual has more complaints than other Infiniti auto insurance companies. Learn more in our Liberty Mutual review.
- Costly Add-Ons: Better Car Replacement and OEM parts coverage add over $30 to monthly Infiniti premiums compared to base plans.
#4 – State Farm: Best for Cheap Rates
Pros
- Competitive Rates: Cheapest Infiniti auto insurance company in most states. Minimum coverage starts at $116 monthly.
- Drive Safe & Save: Lower premiums by up to 30% by enrolling in the Drive Safe & Save UBI. Find more coverage perks in our State Farm review.
- Rental Reimbursement Coverage: Infiniti policies include optional rental reimbursement for $16 monthly, covering up to $500 in rental costs.
Cons
- Bundling Requirement: Policyholders must also insure a home or condo to access the full 17% bundling discount for Infinitis.
- High-Risk Non-Renewal: State Farm may not renew all policies in states with increased risks for wind or wildfire damage.
#5 – Farmers: Best for Local Agents
Pros
- Local Expertise: Infiniti owners have access to local agents who are trained in luxury auto insurance coverage options and claims.
- Signal App Discounts: Infiniti drivers using the Farmers’ Signal app for safe driving can earn up to 30% off based on real-time behavior scoring.
- 20% Multi-Line Discount: Bundle Infiniti auto coverage with a home policy to save up to 20%. Read everything you need to know about Farmers Insurance.
Cons
- High Premiums: Infiniti car insurance costs more with Farmers than with any other provider on this list. Full coverage starts at $272 a month.
- Less Streamlined Mobile Tools: Its website and mobile app are not as user-friendly as the digital tools offered by other top Infiniti insurance companies.
#6 – AAA: Best for Online App Experience
Pros
- Highly-Rated App: Drivers consistently praise the app’s interface updates across devices, making it easier to manage policies and roadside assistance services.
- Roadside Assistance: Infinitis insured through AAA Plus receive towing up to 100 miles, complimentary battery replacement, and locksmith access
- Trip Interruption Coverage: AAA covers up to $1,000 in lodging and meals if an Infiniti breaks down 100+ miles from home. See more in our AAA insurance review.
Cons
- Bundling Discount Cap: Infiniti drivers can only receive a maximum 15% discount when bundling AAA auto with home or renters insurance.
- Membership Required: AAA policies for Infinitis require an active membership, adding $64-$124 annually in non-insurance fees.
#7 – Geico: Best for Mechanical Breakdown Insurance
Pros
- Safety Features Discount: Infinitis equipped with anti-theft and stability systems qualify for Geico’s 25% vehicle safety discount.
- Mechanical Breakdown Insurance (MBI): Geico offers Infiniti models newer than 15 months MBI coverage for the drivetrain and engine at $8 per month.
- Highest Financial Rating: With the A++ A.M. Best rating, Geico ensures reliable claims payouts on Infiniti accident repairs.
Cons
- No OEM Part Coverage: Infinitis repaired through Geico’s network may not receive manufacturer-original parts unless policyholders opt out.
- Limited Agent Access: Geico does not provide in-person claim support. Find everything you need to know about Geico in our guide.
#8 – Allstate: Best for Deductible Rewards
Pros
- Deductible Rewards: Earn $100 off Infiniti insurance deductibles every year drivers remain claim-free, up to a $500 total reduction.
- New Car Replacement: Allstate’s optional new car replacement coverage applies to qualifying Infinitis less than two years old and under 15,000 miles.
- Claims Satisfaction Guarantee: If dissatisfied with a claim payout on an Infiniti policy, drivers may qualify for a full refund of their premium.
Cons
- Low Initial Discount Availability: Some Infiniti drivers may not be eligible for Allstate’s biggest discounts. Learn how to qualify in our Allstate review.
- Not Easy to Shop With: Customer satisfaction ratings are low when it comes to online shopping with Allstate compared to other Infiniti car insurance companies.
#9 – Travelers: Best for Accident Forgiveness
Pros
- Responsible Driver Plan: Infiniti owners with 36 months of clean driving can add accident forgiveness for $10 per month.
- Early Quote Discount: Infinitis quoted more than eight days before the policy start can save up to 10% under Travelers’ Early Quote discount.
- Exceptional Financial Strength: Backed by an A++ A.M. Best financial rating, Travelers offers Infiniti owners reliable claims payouts.
Cons
- Trip Interruption Exclusion: Travelers does not include lodging or meal reimbursement for an Infiniti breaking down far from home. Compare coverage in our Travelers review.
- Bundling Limit: Travelers offers only up to 13% off for bundling Infiniti coverage with home insurance, below competitors’ 20%–25%.
#10 – Progressive: Best for Loyalty Rewards
Pros
- Loyalty Perks: Infinitis insured for more than five years with Progressive receive accident forgiveness and minor claims protection automatically.
- Name Your Price Tool: Progressive allows Infiniti owners to adjust deductibles and liability limits to match their exact monthly budget.
- Snapshot Program: Infiniti drivers can earn up to 30% off with Progressive Snapshot, which tracks braking, speed, and time-of-day driving.
Cons
- Bundling Cap: Progressive’s bundling discount for Infinitis maxes out at 10%, lower than State Farm, Allstate, and AAA. Find everything you need to know about Progressive.
- Rate Spikes Post-Claim: Despite telematics or loyalty rewards, Infinitis with at-fault accidents may see rate increases of over $150 per month.
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Pick the Best Infiniti Insurance Provider
Nationwide, USAA, and Liberty Mutual have the best auto insurance for Infinitis based on claim support and luxury auto specialization (Learn More: Best Auto Insurance Companies for Claims Handling).
However, the right provider for you might look a little different. If you need a specific type of Infiniti car insurance, try comparing companies based on the following:
- Certified Repair Shops: The best car insurance companies for Infinitis will have a list of certified repair shops that specialize in luxury repairs with long-term guarantees.
- High Liability Limits: Look for insurers that provide higher policy limits that match the value of your Infiniti.
- Special Use Policies: If you only drive your Infiniti occasionally or store it in a special garage, find companies that reward these habits with discounts or cheaper policies.
You should also consider Infiniti car insurance companies that offer OEM parts and diminished value protection, like Nationwide and Liberty Mutual.
If you’re ready to start shopping for Infiniti auto insurance, enter your ZIP code into our comparison tool to get free quotes from providers in your area.
Frequently Asked Questions
Which insurer offers the best auto insurance coverage for Infinitis?
State Farm, Allstate, and AAA offer the best car insurance for Infinitis, based on discounts up to 30%, strong A.M. Best ratings, and full coverage under $200 a month. Learn how to compare auto insurance companies effectively to find the best provider for you.
Why is Infiniti auto insurance so expensive?
Why is Infiniti auto insurance so high? Infiniti car insurance is more expensive, averaging over $200 per month for full coverage, due to luxury parts, higher theft risk, and advanced electronics. Many models include high-end features like lane-assist and adaptive cruise, increasing claim payouts.
Is $200 a month for Infiniti auto insurance bad?
No, $200 a month for Infiniti car insurance is average for full coverage. USAA is cheaper with full coverage policies starting at $176 per month, but it’s only available to military members and their families. Enter your ZIP code to compare Infiniti auto insurance costs near you.
Is it possible to get a better deal on your Infiniti auto insurance?
Yes, using usage-based programs like State Farm’s Drive Safe & Save or Nationwide’s SmartRide can reduce Infiniti premiums by up to 30–40%.
What is a good monthly payment for Infiniti auto insurance?
A good monthly payment for Infiniti car insurance ranges between $132 and $164, depending on your model year and driving record. If your rate exceeds your budget, it’s important to know what to do if you can’t afford your auto insurance.
Which company has the most affordable Infiniti auto insurance?
USAA has the most affordable Infiniti car insurance with full coverage starting at $152 per month, plus a 30% military discount and a 20% pay-in-full discount.
Which company has better Infiniti auto insurance coverage, Geico or Progressive?
Geico offers larger safety discounts for Infinitis, while Progressive’s Snapshot program can save drivers up to $231 annually through safe driving behavior.
How much does Costco charge for Infiniti insurance?
Costco, via CONNECT, varies by state, but Infiniti insurance rates through them can be 5%–10% lower for members when bundled with home coverage.
Why is Infiniti better than Nissan for auto insurance?
Infiniti is not better than Nissan for car insurance. Nissans typically cost less to insure due to cheaper parts and lower repair severity. See our guide to the best auto insurance for Nissans for a quote comparison.
Why did my Infiniti auto insurance go up $40 a month?
Your Infiniti car insurance likely went up $40 due to a ticket, added driver, policy lapse, or insurer rate increases tied to inflation or traffic trends in your city. Always compare auto insurance quotes by ZIP code to see how rates change in your area.
Does my credit score affect my Infiniti auto insurance?
Why is Infiniti M35h insurance so expensive?
How can I save money on Infiniti auto insurance?
What are the average auto insurance rates for the Infiniti Q60 Luxe?
How much is Infiniti G35 insurance for an 18-year-old?
What factors impact the Infiniti Q50 insurance cost?
Can I purchase an Infiniti without auto insurance?
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