Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability coverage is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,064 or more. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 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 large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

The ranges above illustrate why everyone should compare rates quotes using their specific location and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below illustrates average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save $180 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Choosing pricier low deductibles will cost an extra $354 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,064
• The price for full coverage for a teenage driver for full coverage can cost $5,346

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost around 43% to 134% more than average. View High Risk Driver Rates

How to Find Cheap Lexus NX 300 Insurance

Getting lower rates on auto insurance consists of being a good driver, having good credit, not filing small claims, and possibly higher deductibles. Spend time shopping around every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were touched on above.

• Drivers age 16 to 20 have the highest car insurance prices, as much as $446 a month if they have full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,650 more per year than a safer driver
• Increasing physical damage deductibles can save around $525 each year
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date