Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs on average $280, collision costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $3,064 or more. Teenage drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location, instead of using average rates.

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

Additional Rate Information

The chart below details estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save around $180 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,410
• Using more expensive low deductibles for comp and collision coverage will cost an additional $354 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,064 or more
• Policy cost that insures a teen driver with full coverage may cost $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 age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

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 $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

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

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The items below are a review of the ideas that were illustrated above.

• Teen drivers pay higher rates, as much as $446 each month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,650 more each year to insure their NX 300
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• You may be able to save as much as $170 per year simply by shopping early and online