Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs approximately $280, collision insurance costs $516, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $3,064. Teen drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save $180 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,410
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,764
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,064
• Policy cost that insures a teen driver for full coverage can cost $5,346 each year

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges anywhere from 43% to 134% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $540 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance takes avoiding accidents and violations, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Shop around at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The list below is a quick review of the data raised in the charts and tables above.

• Drivers who purchase higher liability limits will pay about $500 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Teenagers pay the highest auto insurance rates, as much as $446 each month if full coverage is purchased