Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive insurance costs around $280 each year, collision costs $516, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $3,064 or more. Teen drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save about $180 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Choosing low deductibles for comp and collision coverage costs an additional $354 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,064 or more
• An auto insurance policy with full coverage for a teen driver can be $5,346 each year

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Auto insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

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

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With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.

How to Buy Cheap Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance takes not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the information covered above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Teens are expensive to insure, with the cost nearing $446 per month if full coverage is included
• Increasing policy deductibles could save up to $525 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,650 more every year for NX 300 insurance
• Drivers who may need higher liability limits will pay about $500 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits