Best Auto Insurance for Infinitis in 2025 (Top 10 Companies for Your Vehicle!)

The best auto insurance for Infinitis comes from State Farm, Allstate, and AAA. State Farm leads with a 0.60 complaint index and offers up to 17% off for bundling Infiniti coverage with homeowners insurance coverage

Our Top 10 Company Picks: Best Auto Insurance for Infinitis

Allstate includes up to $500 in deductible rewards and a claims satisfaction guarantee, which is ideal for high-value Infiniti repairs.

If you commute for work or drive your Infiniti frequently, AAA provides 100-mile towing, $1,000 trip interruption coverage, and free battery replacement.

State Farm also rewards safe Infiniti drivers with up to 30% off through its Drive Safe & Save program. Keep reading for more ways to save on Infini insurance, or unlock customized Infiniti insurance options by entering your ZIP code now.

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#1 – State Farm: Top Overall Pick

Pros

• Competitive Rates: State Farm is the cheapest Infiniti auto insurance company in most states. Minimum coverage starts at $116 monthly.
• Drive Safe & Save: Infiniti owners can lower premiums by up to 30% by enrolling in the Drive Safe & Save telematics program. Learn what other coverage perks stand out in our State Farm review.
• Rental Reimbursement Coverage: Infiniti policies include optional rental reimbursement for $16 monthly, covering up to $500 in rental costs post-accident.

Cons

• Bundling Requirement: To access the full 17% bundling discount for Infinitis, policyholders must also insure a home or condo.
• Accident Forgiveness Not Included: State Farm does not offer standard accident forgiveness, increasing rates for at-fault Infiniti drivers after claims.

#2 – Allstate: Best for Add-On Coverages

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 auto insurance 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.

#3 – AAA: Best for Online App Experience

Pros

• Highly-Rated Insurance App: Drivers consistently praise the app’s interface updates across devices, making it easier to manage policies and roadside assistance services.
• 100-Mile Towing with Plus Plan: Infinitis insured through AAA Plus receive towing up to 100 miles and receive complimentary battery replacement and locksmith access through AAA roadside assistance.
• Trip Interruption Coverage: AAA covers up to $1,000 in lodging and meals if an Infiniti breaks down 100+ miles from home. See what benefits stand out most 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 insurance policies for Infinitis require an active membership, adding $64-$124 annually in non-insurance fees.

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#4 – 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. Find everything you need to know about Geico in one quick guide.

Cons

• No OEM Part Coverage: Infinitis repaired through Geico’s network may not receive manufacturer-original parts unless policyholders opt out.
• Limited Agent Access: Infiniti owners in rural ZIP codes have minimal access to Geico in-person claim support.

#5 – 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: Infinitis can only be insured through USAA by military members, veterans, or their families. See how military families rate it in our USAA insurance review.
• No New Car Replacement: Unlike other insurers, USAA lacks a dedicated new car replacement endorsement for new Infiniti models.

#6 – Nationwide: Best for Usage-Based Discount

Pros

• SmartRide Savings: Infinitis enrolled in Nationwide’s SmartRide program 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 home or condo insurance yields a 20% discount on total premiums.

Cons

• Delayed Discount Activation: Infinitis must be driven safely for multiple weeks before full SmartRide savings apply. Get all the key insights in our expert Nationwide insurance review.
• Limited Rental Coverage: Nationwide’s standard policy offers basic rental car reimbursement, which may not fully cover Infiniti rental class costs.

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#7 – Liberty Mutual: Best for New Infiniti Models

Pros

• Better Car Replacement Coverage: If a new Infiniti is totaled, Liberty Mutual replaces it with a newer model under its Better Car Replacement program, available for $18 per month.
• 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.

#8 – Progressive: Best for Innovative Programs

Pros

• 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.
• Loyalty Perks: Infinitis insured for more than five years with Progressive receive accident forgiveness and minor claims protection automatically.

Cons

• Bundling Cap: Progressive’s bundling discount for Infinitis maxes out at 10%, lower than State Farm, Allstate, and AA. Find everything you need to know about Progressive Insurance.
• Rate Spikes Post-Claim: Despite telematics or loyalty rewards, Infinitis with at-fault accidents may see rate increases of over $150 per month.

#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 through Travelers’ Responsible Driver Plan.
• 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 Rating, Travelers offers Infiniti owners reliable claims payouts and strong financial stability.

Cons

• Trip Interruption Exclusion: Travelers does not include lodging or meal reimbursement for an Infiniti breaking down far from home. See how Infiniti policies compare in our Travelers insurance review.
• Bundling Limit: Travelers offers only up to 13% off for bundling Infiniti coverage with home insurance, below competitors’ 20%–25%.

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#10 – 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. Find everything you need to know about Farmers Insurance here.
• 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: Bundling Infiniti auto coverage with a Farmers homeowners policy provides up to 20% in savings.

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: Farmers’ website and mobile app are not as user-friendly as the digital tools offered by other top Infiniti insurance companies.

Infiniti Auto Insurance Rates From Top Providers

Since it’s considered a luxury vehicle by some insurers, Infiniti owners face a wide range of pricing based on their provider and coverage needs. For instance, a $158 gap exists between Allstate’s $341 full coverage monthly rate and State Farm’s $183 per month rate, which totals $1,800 more per year for the same Infiniti. Find out other sneaky ways you’re wasting money on your car.

Infiniti Auto Insurance Monthly Rates by Coverage Level

You will want to carry more than the state-required minimum liability coverage when you’re driving a luxury vehicle. Full coverage with collision and comprehensive coverage is a must since even a minor accident could rack up over $3,000 in repair costs.

Infiniti Auto Insurance Coverage Options

Your state laws may require PIP, medical payments, or uninsured motorist coverage, which will increase rates. USAA’s $147 monthly full coverage rate is the lowest overall, but you’re only eligible for coverage if you’re a military service member. State Farm is the cheapest for both minimum and full coverage for most drivers nationwide.

Drivers who want to add roadside assistance or rental reimbursement to their Infiniti car insurance will also see a rate increase. However, State Farm is known for its affordable rental coverage for Infinitis during claims, and AAA is highly rated for its towing and roadside assistance plans.

Read More: Best Auto Insurance For Luxury And Exotic Vehicles.

Infiniti Auto Insurance Rates by Vehicle Age

Infiniti insurance rates drop as vehicles age, not just because of depreciation but also due to lower repair values and diminished market replacement costs. If you drive an older Infiniti or rack up fewer miles, State Farm’s affordable minimum plan could be more than enough for legal compliance.

Infiniti Auto Insurance Rates by Model Year

Newer models, packed with advanced electronics and proprietary parts, tend to carry higher premiums due to costlier post-accident repairs. Learn what factors impact the cheapest car insurance for your Infiniti.

Infiniti Auto Insurance Rates by Driver

Infiniti insurance premiums fluctuate not just with age but with every driving misstep. A single ticket at age 18 bumps monthly costs by $50, a steep penalty of $600 annually.

Infiniti Full Coverage Insurance Monthly Rates by Driving Record

Age	Clean Record	One Ticket	One Accident	One DUI
16-Year-Old	$510	$565	$585	$630
18-Year-Old	$470	$520	$540	$600
25-Year-Old	$295	$335	$355	$410
30-Year-Old	$240	$270	$290	$350
40-Year-Old	$210	$240	$260	$310
45-Year-Old	$205	$235	$255	$305
50-Year-Old	$200	$230	$250	$300
60-Year-Old	$190	$215	$235	$285
65-Year-Old	$195	$220	$240	$290

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A 16-year-old with one DUI in an Infiniti pays $630 monthly. By age 30, the same violation costs $350, cutting the penalty by nearly half. Drivers in their 40s and 50s hit a rate floor near $200 per month, even with minor infractions,  making this group the lowest-risk tier for Infinitis. If you’re a high-risk driver, learn proven hacks to save more money on car insurance fast.

Infiniti Auto Insurance Rates by Model

Not all Infinitis are priced the same when it comes to insurance—and it’s not just about age or size. Insurers look at how often certain models get into accidents, what it costs to fix them, and even who’s most likely to drive them.

Infiniti Auto Insurance Monthly Rates by Model

Vehicle Model	Minimum Coverage	Full Coverage
Infiniti EX	$108	$187
Infiniti FX	$112	$194
Infiniti G35	$105	$181
Infiniti G37	$109	$186
Infiniti I30	$97	$168
Infiniti I35	$99	$172
Infiniti M35	$114	$198
Infiniti M37	$117	$204
Infiniti Q50	$123	$216
Infiniti Q60	$128	$224
Infiniti Q70	$122	$213
Infiniti QX30	$120	$209
Infiniti QX50	$126	$218
Infiniti QX56	$131	$227
Infiniti QX60	$129	$223
Infiniti QX70	$132	$229
Infiniti QX80	$138	$238

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The Q60 lands on the high end at $224 per month for full coverage. That’s not surprising—coupes with power and performance tend to bring higher claim costs and more expensive repairs, especially under comprehensive auto insurance which covers things like theft or weather damage. On the flip side, older models like the I30 and I35 cost closer to $170 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. The Q50 and M37 can cost more due to advanced tech—things like parking sensors and adaptive cruise control aren’t cheap to fix. And if you’re a younger driver looking at a G35, expect a bump in rates since insurers see more claims from that combo.

Practical Ways to Cut Infiniti Insurance Costs

Saving money on your Infiniti insurance doesn’t mean stripping away vital coverage. Start using smart strategies that align with how you actually drive. Discounts for safe driving or paying in full can sharply reduce Infiniti insurance costs.

Infiniti Auto Insurance Discounts From Top Providers

Company	UBI	Bundling	Pay-in-Full	Military	Green Vehicle
	30%	15%	15%	10%	5%
	30%	25%	10%	25%	7%
	30%	20%	10%	20%	8%
	25%	25%	10%	15%	5%
	30%	20%	12%	15%	8%
	40%	10%	15%	15%	10%
	25%	17%	15%	15%	5%
	30%	17%	15%	25%	5%
	30%	13%	15%	10%	10%
	30%	10%	20%	30%	10%

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Understanding how these specific discounts work together is essential for maximizing value. 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.

Usage-based discounts can drop Infiniti insurance premiums well below the market average. Nationwide’s 40% SmartRide UBI discount could drop a $300 monthly Infiniti rate down to $180. Check out our definitive guide to usage-based car insurance to see how these modern features could lower your 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.

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State Farm offers a 30% UBI discount through Drive Safe & Save and 17% off for bundling, which together can trim Infiniti premiums by over $100 monthly for safe drivers. Travelers may not offer the highest UBI or bundling savings, but its consistent 15% pay-in-full discount can benefit drivers with up-front cash on hand.

Even switching to autopay or going paperless can chip away at your premium. And if you’re okay with a higher deductible, your monthly rate drops. These little moves add up and give you more control over what you’re really paying to keep your Infiniti covered.

Learn More: Car Insurance Discounts You Can’t Miss

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Top Providers Offering the Best Infiniti Auto Insurance

State Farm, Allstate, and AAA have the best auto insurance for Infinitis due to their competitive pricing and specialized discounts. State Farm offers full coverage at $183 per month with up to 30% off through Drive Safe & Save, while Allstate includes a 25% bundling discount and $500 in deductible rewards for claim-free drivers.

Infiniti drivers often face above-average premiums due to luxury repair costs, but strategic savings can offset those rates. Comparing multiple quotes online helps identify which company offers the most value based on your driving habits, vehicle use, and available insurer programs. Explore expert tips on how to buy auto insurance and get started with a free quote tool.

Frequently Asked Questions

Are Infinitis expensive to insure?

Yes, Infiniti insurance is expensive, averaging $183 per month for full coverage due to luxury parts, higher theft risk, and advanced electronics.

Why is Infiniti auto insurance so high?

Infiniti insurance rates are so high because repair costs are elevated. Many models include high-end features like lane-assist and adaptive cruise, increasing claim payouts.

Who 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.

Is $200 a month for Infiniti auto insurance bad?

Yes, $200 a month for Infiniti car insurance is high, especially when providers like USAA offer full coverage for as low as $147 monthly.

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.

Which is best for Infiniti auto insurance, 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. However, abruptly switching providers without a backup in place can raise red flags (Learn More: Is it bad to cancel your car insurance?).

Who has the most affordable Infiniti auto insurance right now?

USAA has the most affordable Infiniti car insurance with full coverage starting at $147 per month, plus a 30% military discount and a 20% pay-in-full discount.

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.

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.

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.

Does my credit score affect my Infiniti auto insurance?

Yes, your credit score significantly affects Infiniti car insurance. Drivers with excellent credit may pay 25% to 35% less than those with poor scores, especially in the worst states for filing an auto insurance claim where credit-based pricing and claim frequency drive rates even higher.

What is the cheapest company to insure an Infiniti?

State Farm is currently the cheapest company for insuring an Infiniti, offering full coverage at $183 per month with up to 30% telematics discounts.

How can I save money on Infiniti auto insurance?

You can save money by bundling policies for up to 25% off, raising your deductible, enrolling in a UBI program, or insuring a model year between 2018–2020. Comparing multiple auto insurance quotes can also help you find the cheapest policy in your area.

What are the average auto insurance rates for the Infiniti Q60 Luxe?

Car insurance rates for Infiniti Q60 Luxe average $224 per month for full coverage, but models from 2022–2024 may cost over $250 due to high-value bodywork and adaptive safety tech.

How much is Infiniti G35 insurance for an 18-year-old?

Infiniti G35 insurance for an 18-year-old can exceed $565 per month, as insurers classify both the driver and vehicle as high-risk due to age, accident likelihood, and rear-wheel drive performance.

What impacts the Infiniti Q50 insurance cost the most?

Infiniti Q50 insurance cost averages $216 per month for full coverage, but turbocharged trims and high repair frequencies raise premiums, especially for model years above 2020 with advanced driver-assist systems.

Can I purchase an Infiniti without auto insurance?

No, you can’t purchase an Infiniti without car insurance if you’re financing or leasing — it’s required before the dealer allows you to drive off the lot. But exploring the best tips to pay less for car insurance can help you secure an affordable policy beforehand.

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Written by:

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Written by Melanie Musson

Published Insurance Expert

Reviewed by:

Justin Wright

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 ...

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Reviewed by Justin Wright

Licensed Insurance Agent

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