Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. 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 can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

These rate differences show why everyone should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save $180 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Selecting pricier low deductibles for physical damage coverage will cost $1,764
• Drivers with serious driving violations could pay around $3,064 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $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 driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 additional annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can be as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially different between companies.

How to Buy Affordable Lexus NX 300 Insurance

Finding better rates on car insurance requires having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following items are a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions pay on average $1,650 more per year than a driver with a clean driving record
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $525 each year
• Policyholders who purchase additional liability coverage will pay approximately $500 each year to increase from 30/60 bodily injury limits to higher 250/500 limits