Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive costs around $280, collision costs $516, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $3,064. Teenage drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.

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

These rate differences show why everyone should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save about $180 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,410
• Using pricier low deductibles for physical damage coverage increases the price to $1,764
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,064 or more
• An auto insurance policy to insure a teenage driver for full coverage can be $5,346 or more

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

Using high physical damage deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

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 $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

How to Shop for More Affordable Lexus NX 300 Insurance

Finding better rates on auto insurance requires having a good driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a summary of the data illustrated above.

• Consumers who may need increased levels of liability coverage will pay an extra $500 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $525 each year
• Drivers age 20 and younger pay higher prices, as much as $446 per month if they have full coverage