Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs on average $280, collision insurance costs $516, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $3,064. Teen 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.

The examples above show why everyone should compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,410
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,764
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,064
• Policy cost with full coverage for a teen driver for full coverage may cost $5,346 a year

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $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 at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a brief review of the material that was raised in the charts and tables above.

• Policyholders who require an increased level of liability coverage will pay about $500 each year to go from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, costing up to $446 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,650 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $525 each year