Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $3,064 or more. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save around $180 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,410
• Using more expensive low deductibles for comp and collision coverage will cost an additional $354 each year
• Drivers who are prone to accidents and violations could pay upwards of $3,064
• An auto insurance policy that insures a teenage driver with full coverage may cost $5,346 each year

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually 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 should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $540 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300 Insurance

Finding better rates on auto insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers with DUI or reckless driving convictions may pay on average $1,650 more each year to buy Lexus NX 300 insurance
• It is possible to save as much as $170 per year just by shopping early and online
• Increasing policy deductibles can save approximately $525 each year
• Consumers who require increased levels of liability coverage will pay an extra $500 annually to raise limits from 30/60 bodily injury limits to the 250/500 level