Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

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

The example below illustrates how your location can change auto insurance rates.

These rate differences 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.

Rates by State, City, and Model

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 40-year-old good driver using $500 deductibles is $1,410
• Selecting pricier low deductibles for physical damage coverage will cost an additional $354 a year
• Drivers with serious driving violations could pay at least $3,064 or more
• An auto insurance policy that insures a teen driver for full coverage 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 driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,300 extra annually, 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 a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, 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 has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices 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 prices by as much as $540 each year, whereas buying more liability protection will increase prices. Changing 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

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different.

How to Find Affordable Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the information illustrated above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Youthful drivers pay higher prices, with the cost nearing $446 per month if full coverage is included
• Increasing policy deductibles can save approximately $525 each year
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,650 more every year than a low-risk driver
• Drivers who may need more liability protection will pay approximately $500 per year to increase from 30/60 bodily injury limits to the 250/500 level