Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage insurance. Comprehensive costs on average $280, collision insurance costs $516, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,064. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 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 have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

The chart below illustrates average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Raising to $1,000 deductibles will save around $180 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,410
• Using more expensive low deductibles increases the price to $1,764
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,064
• An auto insurance policy to insure a teen driver with full coverage may cost $5,346

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Insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your NX 300.

Using high physical damage deductibles can reduce prices by up to $540 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay 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 probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

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How to Shop for More Affordable Lexus NX 300 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies, and also from several local insurance agents.

The following is a summary of the car insurance concepts covered above.

• Higher risk drivers who have multiple accidents or major violations pay on average $1,650 more each year for NX 300 insurance
• It is possible to save as much as $170 per year just by shopping early and online
• Increasing policy deductibles could save as much as $525 each year
• Policyholders who require higher liability limits will pay an extra $500 annually to raise from 30/60 bodily injury limits to a 250/500 level