Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

More 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 40-year-old good driver who has $500 deductibles is $1,410
• Buying pricier low deductibles for comp and collision coverage will cost $1,764
• High-risk insureds with multiple tickets or accidents could pay up to $3,064 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,346 each year

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Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driving record, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, 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 violations or you caused a few accidents, you may be forking out $1,700 to $2,300 additional annually, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges anywhere from 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 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance rates. 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.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.

How to Buy the Right Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance takes avoiding accidents and violations, having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a quick rundown of the material that was raised in the charts and tables above.

• Drivers who want higher liability limits will pay around $500 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are expensive to insure, possibly costing $446 per month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,650 more annually for car insurance
• Increasing policy deductibles could save up to $525 each year