Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive costs an estimated $280 each year, collision costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,064. 16-year-old drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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 other coverage scenarios.

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save approximately $180 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,410
• Buying low deductibles for comp and collision coverage will cost $1,764
• Unlucky drivers with multiple tickets or accidents could pay up to $3,064 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,346 each year

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Insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

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 Utah, Ohio, and New Hampshire, or at least $1,910 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.

How to Buy Low Cost Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the data covered above.

• Policyholders who want increased liability limits will pay around $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers under the age of 20 are expensive to insure, as much as $446 each month if they have full coverage