Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates 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.

More Rate Information

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

• The best discount rate is $810
• Raising to $1,000 deductibles will save $1,230 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,410
• Using low $100 deductibles costs an extra $354 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,064
• Policy cost to insure a teen driver can cost $5,346

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on liability limits and deductibles, your driver profile, and the model of your NX 300.

Using high physical damage deductibles can reduce rates by up to $540 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find rates 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

How to Shop for the Best Cheap Lexus NX 300 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the information raised in the charts and tables above.

• Drivers can save around $170 per year just by quoting early and online
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $446 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,650 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay an extra $500 each year to raise from a 30/60 limit to a 250/500 level