Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code, instead of using average rates.

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

More Rate Details

The chart below breaks down average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $810
• Using higher $1,000 deductibles will save about $180 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,410
• Using low deductibles for physical damage coverage will cost an additional $354 every year
• Drivers who are prone to accidents and violations could pay at least $3,064
• The cost that insures a teen driver can be $5,346 or more

View Chart as Image

Auto insurance rates for a Lexus NX 300 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $540 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Saving money on car insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a review of the ideas that were covered above.

• Youthful drivers are expensive to insure, as much as $446 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,650 more every year than a low-risk driver
• Increasing deductibles can save approximately $525 each year
• You may be able to save up to $170 per year just by quoting online in advance