Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why everyone should compare prices for a specific zip code, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save about $180 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,764
• Drivers with serious driving violations could pay at least $3,064 or more
• Policy cost that insures a teen driver for full coverage can be $5,346 or more

View Chart as Image

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

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied.

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance requires being a good driver, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a review of the primary concepts that were covered above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,650 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $446 each month if full coverage is purchased