Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why all drivers should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates 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 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,410
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• Drivers with serious driving violations could pay at least $3,064
• An auto insurance policy that insures a 16-year-old driver can be $5,346 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates at every other renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,650 more every year to buy Lexus NX 300 insurance
• Drivers age 20 and younger pay higher prices, with premiums being up to $446 per month if full coverage is included
• It is possible to save up to $170 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $525 each year
• It is possible to save up to $170 per year just by quoting online in advance