Lexus NX 300 Insurance Rates

The average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive costs approximately $280 each year, collision costs $516, and liability coverage is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing around $3,064. Teens 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 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save $180 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,410
• Selecting low deductibles for comp and collision coverage increases the price to $1,764
• Drivers with serious driving violations could pay around $3,064 or more
• Policy cost to insure a teenage driver can cost $5,346 each year

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on liability limits and deductibles, your driver profile, and the model of your NX 300.

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied.

How to Shop for Low Cost Lexus NX 300 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a review of the information presented in the illustrations above.

• Drivers can save around $170 per year simply by quoting online in advance
• Teens pay the highest auto insurance rates, costing up to $446 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers who have several accidents or serious violations may pay on average $1,650 more per year for NX 300 insurance
• Consumers who purchase higher liability limits will pay approximately $500 each year to raise limits from a 30/60 limit to a 250/500 level