Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive costs around $280, collision costs $516, and liability insurance is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,064. Teens pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The ranges above highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save about $180 every year
• The average price for the average middle-age driver using $500 deductibles is $1,410
• Selecting pricier low deductibles increases the price to $1,764
• Higher-risk drivers with serious driving violations could pay at least $3,064 or more
• The price to insure a teen driver for full coverage can be $5,346

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 extra each year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different.

How to Shop for Low Cost Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,650 more every year for car insurance
• Increasing physical damage deductibles could save as much as $525 each year
• Teenagers are the costliest to insure, possibly costing $446 a month if the policy includes full coverage