Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive insurance costs on average $280, collision costs $516, and liability is estimated at $456. A policy with only liability insurance costs approximately $508 a year, with a high-risk policy costing $3,064 or more. 16-year-old drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save around $180 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,410
• Buying more expensive low deductibles for comp and collision coverage costs an extra $354 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,064 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $5,346 each year

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Car insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your NX 300.

Opting for high physical damage deductibles can save as much as $540 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.

How to Shop for Low Cost Lexus NX 300 Insurance

Finding better rates on car insurance takes having a good driving record, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the car insurance concepts touched on in this article.

• Higher risk drivers who have several accidents or serious violations may pay on average $1,650 more each year to buy Lexus NX 300 insurance
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• Policyholders who require increased levels of liability coverage will pay around $500 per year to raise limits from 30/60 bodily injury limits to a 250/500 level