Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $548, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $3,152 or more. Teenage drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.

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

Additional Rate Information

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $830
• Using higher $1,000 deductibles will save $190 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,450
• Using more expensive low deductibles for physical damage coverage will cost an additional $372 every year
• Drivers who are prone to accidents and violations could pay around $3,152
• The price that insures a teen driver with full coverage can cost $5,468 or more

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Auto insurance prices for a Lexus NX 300 are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could cut prices by as much as $570 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every year by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a recap of the coverage data touched on above.

• You may be able to save around $180 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $550 each year
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $456 a month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may have to pay on average $1,700 more per year than a driver with a clean driving record