Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs approximately $280, collision costs $516, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $3,064. Teenage drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save $180 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,410
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,764
• Higher-risk drivers who are prone to accidents and violations could pay around $3,064 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,346 each year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $540 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

How to Find Affordable Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with DUI or reckless driving convictions will likely pay on average $1,650 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $446 each month if the policy includes full coverage