Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive insurance costs an estimated $280, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage 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 broken down by type of insurance:

Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save approximately $180 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,410
• Using more expensive low deductibles for comp and collision coverage costs an additional $354 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,064
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,346 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

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 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 Buy Low Cost Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 takes having a good driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the material that was touched on in the above illustrations.

• Insureds who want increased levels of liability coverage will pay an extra $500 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $446 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,650 more annually to buy Lexus NX 300 insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year