How do you pick the best Infiniti car insurance?

Driving an Infiniti means combining power, performance and craftsmanship. Protecting it requires insurance that offers the same balance of protection and cost, which usually means more than state minimum coverage.

If your Infiniti is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps cover what’s left on your loan if the vehicle is totaled.

Whatever you drive or however you insure it, these are some of the most common coverage options and why Infiniti owners choose them.

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• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

4 best ways to shop for Infiniti insurance and lower rates

Finding the right car insurance means balancing coverage with value. For Infiniti drivers, that balance can vary depending on the model’s performance, luxury features and tech upgrades.

Jerry’s experts help Infiniti owners lower premiums without compromising the protection their vehicles deserve. Here are our top tips.

Tip 1: Compare quotes before you buy or renew

Not every insurer prices Infiniti coverage accurately. Some overestimate repair costs, while others undervalue the brand’s safety and reliability record. The result? Major price differences for identical coverage.

Here’s where Infiniti drivers who saved most often switched last year after comparing rates with Jerry:

Tip 2: Combine discounts for better rates

Many Infiniti drivers qualify for multiple discounts like safe-driver programs, multi-policy bundles or loyalty savings. But insurers don’t always apply these savings automatically. Jerry finds every discount available and makes sure you get full value.

Tip 3: Match your coverage to your Infiniti

From the sporty Q50 to the full-size QX80, every Infiniti has different coverage needs. Most owners carry full coverage and higher limits on newer or high-value models, then adjust deductibles or add-ons as their vehicle ages.

JERRY EXPERT INSIGHT

Infiniti owners already value control and precision behind the wheel. Telematics just help prove it by turning consistent driving habits into tangible savings.

Rebekah B.

General Lines Agent (Florida Property & Casualty)

Jerry Proof: Real Infiniti drivers, real savings

Want to see how much Infiniti owners are saving? Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.

Drive with confidence

Infiniti insurance rates can vary, but overpaying doesn’t have to be part of ownership. Whether you drive a QX60, Q50 or QX80, Jerry helps you find coverage that fits your vehicle’s precision and sophistication, but without the premium price tag.

We compare top insurers, apply every discount and manage renewals so your protection stays seamless year after year.

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Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

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