Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs approximately $280 a year, collision costs $516, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $3,064 or more. Teenage drivers 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 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare prices using their specific location, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save $1,230 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Using low $100 deductibles for physical damage coverage will cost an additional $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,064 or more
• An auto insurance policy that insures a teenage driver 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 trim level of your NX 300, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision 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 teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

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

View Chart as Image

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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes 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 Find Affordable Lexus NX 300 Insurance

Finding better rates on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

Below you'll find a brief review of the concepts that were touched on above.

• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year than a low-risk driver
• Youthful drivers are expensive to insure, as much as $446 per month if full coverage is included
• Drivers can save around $170 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• Drivers can save around $170 per year simply by quoting early and online