Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save about $180 a year
• The average price for a good driver age 40 using $500 deductibles is $1,410
• Selecting low deductibles for comp and collision coverage increases the price to $1,764
• Unlucky drivers with serious driving violations could pay at least $3,064 or more
• Policy cost to insure a teen driver can be $5,346 each year

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $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 at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.

How to Shop for Low Cost Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a review of the car insurance concepts presented in the illustrations above.

• Higher risk drivers who have several accidents or serious violations may pay on average $1,650 more every year for car insurance
• Drivers can save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Policyholders who may need higher liability limits will pay approximately $500 each year to raise limits from a 30/60 limit to a 250/500 level