Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $3,064 or more. Teens cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code, instead of using averaged prices.

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

More Rate Details

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $354 every year
• Higher-risk drivers with serious driving violations could pay at least $3,064
• Policy cost that insures a teen driver can be $5,346 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year 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 as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, whereas increasing liability limits will increase rates. Going 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

How to Find Cheaper Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates once a year by getting quotes from direct carriers, and also from several local insurance agents.

The next list is a condensed summary of the data that was covered in the charts and tables above.

• Drivers can save up to $170 per year just by quoting online in advance
• Policyholders who may need increased levels of liability coverage will pay approximately $500 each year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $446 each month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents pay on average $1,650 more every year to buy Lexus NX 300 insurance