Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive insurance costs an estimated $280, collision costs $516, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $3,064 or more. Teenage drivers receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These examples show why everyone should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save approximately $180 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,410
• Using pricier low deductibles for comp and collision coverage costs an additional $354 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,064 or more
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,346 each year

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Auto insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driver profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,700 to $2,300 in extra premium per year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.

How to Buy the Best Lexus NX 300 Insurance

Saving money on car insurance takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief recap of the information touched on in this article.

• Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
• Teenagers are the costliest to insure, costing as high as $446 per month if full coverage is included
• Increasing deductibles could save up to $525 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,650 more annually for car insurance
• Policyholders who want higher liability limits will pay an extra $500 each year to raise limits from a minimum limit to higher 250/500 limits