The Complete Guide to Infiniti G35 Insurance Cost

There are few cars from the mid-2000s that still turn heads today. The Infiniti G35 is one of them. With its powerful V6 engine, rear-wheel drive, and sleek coupe or sedan body, it offers a premium driving experience at a used car price that feels like a steal.

But there is one expense that catches many G35 owners off guard: insurance.

If you are shopping for a G35 or already own one, you have likely noticed that insuring it costs more than your average commuter sedan. You might be asking yourself, Why is this happening? Is it because of the car, or is it just me?

Let’s clear that up today. No guesswork, no confusing industry jargon. Just a clean, honest breakdown of what you can expect to pay and why.

What Is the Average Infiniti G35 Insurance Cost?

Let’s start with the number you came here for.

For a typical 30-year-old driver with a clean record and full coverage, the average cost to insure an Infiniti G35 is approximately $1,780 per year, or about $148 per month.

This is a baseline figure. Depending on your specific situation, you could pay significantly less or quite a bit more.

Important Note: These figures are based on real market data from 2025 and assume a 2006–2007 model year G35, which is the most commonly insured version today. Newer models (2008–2013, rebadged as the G37) will cost slightly more due to higher horsepower and replacement parts.

Cost Comparison by Coverage Level

It helps to see how different coverage levels change the price. Here is a realistic look at annual premiums for the same driver profile:

If you carry a loan or lease on your G35, full coverage is mandatory. If you own the car outright, you can drop to liability, but consider whether you can afford to replace the vehicle if it is totaled.

Quote from a G35 owner:
“I paid $2,100 a year on my 2006 coupe. I was 25, had one speeding ticket, and lived in the city. It stung, but I loved the car too much to sell it.”
— Marcus L., Atlanta

Why Is the Infiniti G35 Expensive to Insure?

This is the question that really matters. The G35 is not a luxury supercar. It is not a Hellcat or a European exotic. So why does your insurer treat it like one?

The answer lies in how insurance companies evaluate risk. They do not look at how cool the car is. They look at data. And the data for the G35 is very specific.

1. High Horsepower, High Risk

The G35 produces between 260 and 298 horsepower depending on the model year. That puts it in the same performance bracket as a BMW 3 Series or an Audi A4. Statistically, higher horsepower vehicles are involved in more at-fault accidents. Insurance companies price for that behavior.

2. Frequent Theft Claims

The Infiniti G35, particularly the 2003–2007 coupe, has historically been a target for theft. It is easy to modify, popular in street racing culture, and shares many components with the Nissan 350Z. In certain metropolitan areas, theft rates for this model are double the national average.

3. Expensive Replacement Parts

Even though the G35 is affordable to buy used, its parts are not economy-grade. It carries luxury brand repair costs. If you hit a deer or slide into a curb, the repair bill will reflect Infiniti pricing, not Honda pricing. Insurers know this.

4. Younger Driver Demographic

The G35 is extremely popular with drivers under 30. It is the gateway car to luxury performance. Statistically, younger drivers file more claims. Because the car attracts this demographic, the entire model line gets rated higher.

How Your Personal Profile Affects the Rate

Here is the honest truth: the car matters, but you matter more.

Two people insuring the exact same G35 can see wildly different quotes. Here is how your personal factors shift the price.

Age and Experience

If you are under 25, prepare for a shock. Drivers aged 18–24 typically pay 70% to 100% more than drivers aged 30–50.

• Age 20: ~$3,200 per year

• Age 30: ~$1,780 per year

• Age 50: ~$1,500 per year

Good news: rates drop significantly at age 25, and again at 30.

Driving Record

This one is simple: tickets and accidents follow you.

• One speeding ticket (15 over): +25% to +40%

• At-fault accident: +40% to +60%

• DUI: +100% to +200% (or non-renewal)

Location, Location, Location

Where you park the car overnight is one of the biggest rating factors.

If you live in Miami, Detroit, or Los Angeles, your G35 rate will be significantly higher than someone in rural Ohio. This is mostly due to theft risk and uninsured motorist claims.

Annual Mileage

Do you drive 5,000 miles a year or 20,000? The less you drive, the less risk you pose.

• Low mileage (under 7,500/year): potential discount of 10–15%

• Standard (12,000/year): standard rate

• High (20,000+): likely surcharge

Sedan vs. Coupe: Does Body Style Matter?

Yes. Absolutely.

The G35 coupe is more expensive to insure than the sedan. Always.

Here is the typical difference:

Why?

• Coupes are statistically driven more aggressively.

• The coupe has a sportier image.

• Coupe replacement glass and panels are harder to find.

• The coupe is stolen more frequently.

If you are a young driver looking at a G35 coupe, get a quote before you buy. The monthly payment might be manageable, but insurance could add another $150–$200 per month.

How to Lower Your Infiniti G35 Insurance Cost

You have options. You do not have to accept the first quote you receive.

1. Shop Around Every Year

Insurance companies rotate their appetites. One year, Geico is cheap for Infinitis. The next year, it is Progressive. Never assume loyalty saves you money.

Get quotes from at least three of these:

• Geico

• Progressive

• State Farm

• USAA (if eligible)

• Erie Insurance

• Travelers

2. Increase Your Deductible

Raising your deductible from $500 to $1,000 typically lowers your premium by 12% to 18%.

Just be sure you have that $1,000 set aside if something happens.

3. Ask About Low Mileage

If you work from home or use public transit, you may qualify for a low-mileage discount. Some insurers also offer usage-based programs (like Snapshot or Drivewise) that track your driving habits. If you drive smoothly and rarely, this can save you money.

4. Bundle Your Policies

Putting your auto and renters or homeowners insurance with the same company often results in a multi-policy discount of 10% to 20%.

5. Take a Defensive Driving Course

In many states, completing an approved defensive driving course knocks 5% to 10% off your premium for three years. It takes a few hours online and costs around $25.

6. Install an Anti-Theft Device

Given the G35’s theft history, an aftermarket alarm system, steering wheel lock, or GPS tracker can reduce comprehensive premiums.

Pro Tip: Even a visible club-style steering wheel lock can lower your rate. Insurers like deterrents.

Insurance Cost by Model Year

The G35 was produced from 2003 through 2007 (the 2008 model is technically a G37). Here is how model year influences cost:

Newer models cost more to insure because their actual cash value is higher. If you total a 2003 G35, the insurer pays out ~$6,000. If you total a 2007, the payout is closer to $12,000. Higher risk for the insurer = higher rate for you.

Full Coverage vs. Liability: The Honest Math

This is where many G35 owners face a decision.

If you paid $7,000 cash for your G35, does it make sense to pay $1,800 per year for full coverage?

Run the numbers.

Scenario:

• Car value: $7,000

• Full coverage premium: $1,780/year

• Liability-only premium: $870/year

• Annual savings: $910

If you drop full coverage and save $910 per year, you are betting that you will not total the car for about 7.5 years. If you crash next month, you lose the entire $7,000.

Our honest take:
If your G35 is worth more than $8,000–$10,000, keep full coverage.
If it is a beater or a dedicated drift car with cosmetic damage, liability makes financial sense.

Common Discounts G35 Owners Often Miss

Insurers do not volunteer discounts. You have to ask.

Here is a checklist. Read it before you call.

• ✅ Good Student Discount (under 25, B average or better)

• ✅ Distant Student Discount (student away at school without the car)

• ✅ Defensive Driving Course

• ✅ Anti-Theft Device
  — ✅ Paid-in-Full Discount (paying the 6-month policy upfront)

• ✅ Paperless Billing / Autopay

• ✅ Affinity Groups (alumni associations, professional organizations)

• ✅ Military or Federal Employee Discounts

Action Step: Call your insurer and say, “I am reviewing my policy. Can you check if I am receiving every available discount?”

Real Quotes: What G35 Owners Actually Pay

Let’s move away from averages. Here are real-world scenarios from actual owners (names changed, data anonymized).

Driver A – The Enthusiast

• 27 years old, male, single

• 2006 G35 Coupe, 6-speed manual

• One speeding ticket (2023)

• Lives in Orlando, FL

• Full coverage, $500 deductible

• Pays: $2,310/year with Progressive

Driver B – The Daily Commuter

• 42 years old, female, married

• 2005 G35 Sedan, automatic

• Clean record

• Lives in Columbus, OH

• Full coverage, $1,000 deductible, bundled with home

• Pays: $1,340/year with State Farm

Driver C – The Bargain Hunter

• 35 years old, male, single

• 2004 G35 Sedan, 180k miles

• Clean record, low mileage (6k/year)

• Lives in rural Wisconsin

• Liability only (50/100/50)

• Pays: $610/year with Geico

Driver D – The Young Gun

• 22 years old, male, student

• 2007 G35 Coupe

• One not-at-fault accident

• Lives in Dallas, TX

• Full coverage (financed the car)

• Pays: $3,875/year with a local insurer

As you can see, the range is enormous. Your specific situation dictates your rate more than the car itself.

Infiniti G35 Insurance Cost vs. Competitors

How does the G35 stack up against similar vehicles?

The G35 sits in the middle of the sport-luxury pack. It is cheaper than a 350Z or Mustang GT, but more expensive than a Honda Accord or Acura TL.

When You Modify Your G35

Here is a critical warning.

If you have modified your G35—lowered suspension, aftermarket exhaust, turbo kit, cold air intake, aftermarket wheels—your insurance likely does not cover those parts.

Standard auto policies cover the vehicle as it left the factory. If you add $5,000 in modifications and get into an accident, the insurer will pay for the stock replacement parts only.

Two options:

1. Accept that mods are not covered (common approach).

2. Purchase additional coverage for aftermarket parts.

Some specialty insurers (like Hagerty or Grundy) offer agreed-value policies for modified cars, but these usually require the vehicle to be a weekend car, not a daily driver.

Important Note: If you do not disclose modifications and you cause an accident, the insurer may deny your claim entirely. Do not hide mods.

The Infiniti G37 Factor

We need to address the elephant in the garage.

If you are reading this because you are looking at 2008–2013 Infinitis, you are actually looking at a G37. Nissan rebadged the car, but the body style is very similar, and many people still call them G35s.

G37 insurance cost is approximately 10–15% higher than the G35. The engine is larger (3.7L vs 3.5L), horsepower is higher (330hp), and the car is worth more.

• 2008 G37 Coupe average full coverage: ~$2,050/year

• 2010 G37 Sedan average full coverage: ~$1,850/year

The advice in this guide applies to the G37 as well, but expect slightly higher numbers.

Frequently Asked Questions (FAQ)

Is the Infiniti G35 expensive to insure?

Yes, compared to a standard family sedan. Compared to other sports coupes of its era, it is average to slightly above average.

What is the cheapest insurance for an Infiniti G35?

Based on 2025 data, Geico and Progressive frequently offer the lowest rates for this vehicle. USAA is extremely competitive for military families.

Does the G35 coupe cost more than the sedan?

Yes. Expect to pay 15–20% more for the coupe version.

At what age does insurance drop for a G35?

The biggest drop occurs at age 25. Another drop typically occurs at age 30. Rates stabilize until around age 70.

Should I drop full coverage on my old G35?

If the car is worth less than $6,000–$8,000 and you can afford to replace it out of pocket, liability may make financial sense. Run the math on how many years of savings it would take to cover the car’s value.

Do tinted windows affect insurance?

Generally, no. Insurers do not rate for window tint unless it is illegal in your state and you receive a ticket for it.

Can I insure a G35 with a salvage title?

Yes, but most major carriers will only offer liability coverage. Comprehensive and collision are often unavailable on salvage or rebuilt vehicles.

Additional Resource

For current, localized rate comparisons, we recommend using The Zebra or Insurance.com. These are licensed comparison engines that pull live rates from dozens of carriers. Because insurance rates change quarterly, a live quote tool is more accurate than a static guide.

Click here to compare live Infiniti G35 insurance rates in your zip code
(This link leads to a reputable third-party comparison tool. Always verify licensing in your state.)

Final Word

The Infiniti G35 is a special car. It delivers excitement and luxury at a used price that is hard to beat. But that excitement comes with a catch: higher insurance costs driven by horsepower, theft statistics, and repair expenses.

Do not let that scare you off. With a clean record, the right insurer, and a few strategic discounts, you can insure a G35 for a reasonable price. Just go in with your eyes open.

Run your own quotes. Ask about discounts. And if you are a younger driver, consider the sedan—it is just as fun, but much friendlier to your monthly budget.

Three-line summary:
The Infiniti G35 costs more to insure than average due to its performance heritage and theft risk. Personal factors like age, driving record, and location have a greater impact on your rate than the car itself. Shop around, raise your deductible, and ask about discounts to find the best possible rate for your situation.