Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive insurance costs approximately $280, collision costs $516, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,064 or more. Teens pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist 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

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save $180 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Selecting more expensive low deductibles costs an additional $354 annually
• Drivers with serious driving violations could pay around $3,064 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $5,346

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

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different between companies.

How to Buy the Best Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 consists of having a decent driving record, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief recap of the information touched on in the above illustrations.

• You may be able to save around $170 per year simply by shopping early and online
• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $446 per month if they have full coverage
• Increasing policy deductibles could save up to $525 each year
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,650 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay approximately $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits