Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive insurance costs around $280 a year, collision costs $516, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $3,064 or more. Teenage drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save about $1,230 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Using low $100 deductibles for physical damage coverage costs an additional $354 every year
• Drivers who are prone to accidents and violations could pay at least $3,064 or more
• An auto insurance policy with full coverage for a teen driver can be $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your risk profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect 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 probably paying at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

How to Buy Cheaper Lexus NX 300 Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following is a condensed summary of the information covered in the charts and tables above.

• It is possible to save up to $170 per year simply by quoting early and online
• Teens pay higher prices, with premiums being up to $446 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $525 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,650 more every year for NX 300 insurance
• Policyholders who may need higher liability limits will pay an extra $500 annually to increase from 30/60 bodily injury limits to higher 250/500 limits