Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,450 annually with full coverage. Comprehensive insurance costs around $292 a year, collision insurance costs $548, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $3,152 or more. Teenage drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $830
• Using higher $1,000 deductibles will save about $1,260 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,450
• Using low $100 deductibles for physical damage coverage costs an additional $372 every year
• Drivers who are prone to accidents and violations could pay at least $3,152
• The price with full coverage for a teen driver can be $5,468 or more

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Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $570 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,960 on average in Florida, Michigan, and New York.

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How to Buy the Best Cheap Lexus NX 300 Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the coverage data covered in the above illustrations.

• You may be able to save up to $180 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $550 each year
• Teenage drivers are charged the highest prices, costing up to $456 a month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,700 more every year for auto insurance