Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive insurance costs an estimated $292 each year, collision insurance costs $548, and liability insurance is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $3,152 or more. Teens pay the most at up to $5,468 a year.

Average premium for full coverage: $1,450

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $830
• Raising to $1,000 deductibles will save approximately $190 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,450
• Selecting low deductibles will cost an extra $372 a year
• Higher-risk drivers with serious driving violations could pay up to $3,152
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,468

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Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,960 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

How to Find Low Cost Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance consists of being a good driver, having a good credit history, being claim-free, and possibly raising deductibles. Take the time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

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

• You may be able to save approximately $180 per year just by quoting online in advance
• High-risk drivers who have several accidents or serious violations may pay on average $1,700 more annually than a safer driver
• Increasing policy deductibles can save around $550 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $456 per month including comprehensive and collision insurance