Insurance Rates for an Infiniti Q50: Cost, Insights, and Savings

How much does Infiniti Q50 car insurance cost? We compared average rates from the Q50 Luxe up to the Red Sport 400 AWD trim to see how prices compared to other mid-size luxury models.

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How much does Infiniti Q50 insurance cost?

Insurance cost for an Infiniti Q50 averages $2,650 a year for a full coverage policy, which equates to around $221 a month.

Depending on the trim level being insured, monthly car insurance cost for an Infiniti Q50 ranges from $208 to $235, with the Luxe being cheapest and the Red Sport 400 AWD costing the most to insure.

When split out by coverage type, comprehensive (or other-than-collision) coverage is around $720 a year, collision coverage costs an estimated $1,414, and the remaining liability and medical (or PIP) coverage costs an estimated $516.

The following chart demonstrates how average Infiniti Q50 insurance rates rise and fall with changes in driver age and the chosen policy deductibles. Insurance rate averages vary from as low as $1,790 per year for a 60-year-old driver with high deductibles to the highest rate of $6,324 each year for a 20-year-old driver with low physical damage deductibles.

Average 2024 Infiniti Q50 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Infiniti Q50 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Infiniti Q50. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Infiniti Q50 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,364$364
$500$5,314$443
$250$6,324$527
30-Year-Old$1,000$2,320$193
$500$2,846$237
$250$3,394$283
40-Year-Old$1,000$2,166$181
$500$2,650$221
$250$3,154$263
50-Year-Old$1,000$1,910$159
$500$2,328$194
$250$2,762$230
60-Year-Old$1,000$1,790$149
$500$2,180$182
$250$2,588$216

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Infiniti Q50. Updated June 26, 2025

To give you a better idea of the immensity of the range of car insurance rates, keep in mind that a Q50 insurance policy with only liability coverage in the cheapest areas of Vermont or Wisconsin can cost as low as $227 a year for the right driver.

At the same time, a newly-licensed driver with a few tickets in some zip codes in Michigan, could cost as much as $15,374 a year for full coverage.

A few additional observations that could potentially save some money on your insurance bill include:

  • Obey driving laws to save money. In order to have the best price on Q50 car insurance rates, it’s necessary to drive conservatively. Not surprisingly, just one or two minor traffic citations have the potential to increase Q50 insurance cost by up to $684 per year. Serious infractions such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $2,418 or more.
  • Driver gender influences rates. For a 2024 Infiniti Q50, a 20-year-old male pays an average price of $5,314 per year, while a 20-year-old female driver pays an estimated $3,794, a difference of $1,520 per year in favor of the women by a long shot. But by age 50, male driver rates are $2,328 and the cost for a female driver is $2,280, a difference of only $48.
  • The cost to insure teenage drivers is high. Average rates for full coverage Q50 insurance costs $9,126 per year for a 16-year-old driver, $8,938 per year for a 17-year-old driver, and $8,194 per year for an 18-year-old driver.
  • As driver age goes up, rates trend downward. The difference in Q50 insurance rates between a 60-year-old driver ($2,180 per year) and a 20-year-old driver ($5,314 per year) is $3,134, or a savings of 83.6%.
  • A good credit rating can save money. In states that have statutes allowing a policyholder’s credit score to be used for the purpose of coming up with an insurance rate, drivers who maintain a credit score over 800 may save $416 per year versus a rating of 670-739. Conversely, poor credit could cost as much as $482 more per year.
  • Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $484 per year for a 40-year-old driver and $950 per year for a 20-year-old driver.
  • Decreasing deductibles will cost more. Cutting your deductibles from $500 to $250 could cost an additional $504 per year for a 40-year-old driver and $1,010 per year for a 20-year-old driver.
  • No accidents means better rates. Having at-fault accidents will cost you more, possibly by an extra $3,724 per year for a 20-year-old driver and as much as $578 per year for a 60-year-old driver.

What is the cheapest Infiniti Q50 car insurance?

With Infiniti Q50 insurance rates ranging from $2,492 to $2,820 per year, the cheapest model to insure is the Luxe. On the opposite end of the cost spectrum, the highest cost Q50 model to insure is the Red Sport 400 AWD trim level.

As with most other vehicles, the higher the sticker price, the more you pay for insurance. The rate table below displays the estimated annual and semi-annual policy costs, plus a monthly insurance rate, for each 2024 Infiniti Q50 model and trim level.

2024 Infiniti Q50 Insurance Rates by Trim Level
2024 Infiniti Q50 Trim Level Annual Premium Cost Per Month
Luxe$2,492$208
Luxe AWD$2,520$210
Sensory$2,618$218
Sensory AWD$2,666$222
Red Sport 400$2,784$232
Red Sport 400 AWD$2,820$235

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Infiniti Q50 ranging from the Luxe model at $2,492 per year to the Red Sport 400 AWD model at $2,820
Insurance cost by trim level for a 2024 Infiniti Q50 ranging from the Luxe model at $2,492 per year to the Red Sport 400 AWD model at $2,820

How do Q50 insurance rates compare?

When compared to other popular midsize luxury cars, Infiniti Q50 insurance costs $204 more per year than the Lexus ES 350, $198 less than the BMW 530i, $240 more than the Mercedes-Benz CLA250, and $386 less than the Audi A6.

The Infiniti Q50 ranks 11th out of 34 comparison vehicles in the midsize luxury car segment. The Q50 costs an average of $2,650 per year to insure for full coverage and the segment average rate is $2,874 annually, a difference of $224 per year.

The chart below shows how well Q50 insurance rates rank when compared to the other nine vehicles in the top 10 selling midsize luxury car list. We also included a more comprehensive table after the chart that illustrates average car insurance rates for all 34 models in the midsize luxury car class.

Average 2024 Infiniti Q50 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2024 Infiniti Q50 car insurance premium compared to other midsize luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Infiniti Q50. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Infiniti Q50 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Infiniti Q50 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$240
2Lexus IS 300$2,414-$236
3Lexus ES 350$2,446-$204
4Mercedes-Benz AMG CLA35$2,456-$194
5Lexus RC 300$2,462-$188
6Jaguar XF$2,476-$174
7Cadillac CT5$2,526-$124
8Lexus ES 250$2,534-$116
9Lexus ES 300h$2,572-$78
10Audi A3$2,634-$16
11Infiniti Q50$2,650--
12Mercedes-Benz AMG CLA45$2,682$32
13Audi S4$2,692$42
14Mercedes-Benz EQE 350$2,724$74
15BMW i4$2,734$84
16Lexus IS 500$2,770$120
17BMW 530i$2,848$198
18Audi S5$2,890$240
19BMW 540i$2,900$250
20BMW 430i$2,940$290
21BMW i5$2,960$310
22Genesis G80$2,976$326
23Mercedes-Benz EQE 500$3,008$358
24Mercedes-Benz AMG C43$3,024$374
25Audi A6$3,036$386
26Tesla Model S$3,070$420
27BMW 530e$3,100$450
28Audi RS 5$3,106$456
29Audi S6$3,128$478
30BMW M440i$3,206$556
31Audi A7$3,268$618
32Lexus LC 500h$3,508$858
33Audi S7$3,624$974
34BMW M8$3,948$1,298

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

Average insurance rates in large U.S. cities

Auto insurance cost for a Q50 spans a large price range, from lower rates like $2,226 a year in Charlotte, NC, or $2,150 in Virginia Beach, VA, to expensive rates such as $4,304 a year in New York City, NY, and $3,504 in Miami, FL.

Additional rates for large metro areas include Oakland, CA, costing $3,470 per year, Kansas City, MO, at an estimated $3,190, Wichita, KS, at $2,888, and Tulsa, OK, averaging $3,210.

The next chart illustrates average Infiniti Q50 insurance rates for the larger metro areas in America.

Average car insurance rates for a 2024 Infiniti Q50 in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 Infiniti Q50 in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Infiniti Q50 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Infiniti Q50 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,304$359
Philadelphia, PA$3,914$326
Las Vegas, NV$3,904$325
Los Angeles, CA$3,898$325
San Francisco, CA$3,484$290
Kansas City, MO$3,190$266
Oklahoma City, OK$3,190$266
Denver, CO$3,146$262
Memphis, TN$3,146$262
Atlanta, GA$3,116$260
San Jose, CA$3,052$254
Phoenix, AZ$2,992$249
Portland, OR$2,968$247
San Diego, CA$2,952$246
Boston, MA$2,946$246
Chicago, IL$2,886$241
Dallas, TX$2,852$238
Houston, TX$2,844$237
Seattle, WA$2,836$236
Jacksonville, FL$2,778$232
Nashville, TN$2,762$230
Milwaukee, WI$2,750$229
Albuquerque, NM$2,714$226
San Antonio, TX$2,654$221
Omaha, NE$2,604$217
Fort Worth, TX$2,594$216
Austin, TX$2,572$214
Indianapolis, IN$2,416$201
Columbus, OH$2,292$191
Charlotte, NC$2,226$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Infiniti Q50 and all Zip Codes in each city. Updated June 26, 2025