Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive insurance costs approximately $280 each year, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,064 or more. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save $180 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low deductibles for comp and collision coverage costs an extra $354 every year
• Unlucky drivers who are prone to accidents and violations could pay around $3,064
• The price to insure a teen driver can cost $5,346 each year

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your driving record, and the model of your NX 300.

Using high physical damage deductibles can save as much as $540 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for Cheap Lexus NX 300 Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the information covered in the above illustrations.

• You may be able to save around $170 per year just by quoting online in advance
• Teenage drivers have the highest car insurance prices, costing up to $446 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save as much as $525 each year
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,650 more per year for auto insurance
• Policyholders who purchase higher levels of liability will pay an extra $500 every year to raise limits from a low limit to a 250/500 level