Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive insurance costs around $280 each year, collision costs $516, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $3,064 or more. Teenage drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save about $180 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,410
• Using low deductibles for comp and collision coverage costs an extra $354 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,064 or more
• An auto insurance policy to insure a 16-year-old driver can be $5,346 each year

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $540 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.

How to Shop for the Cheapest Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 takes being a good driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

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

• You may be able to save up to $170 per year simply by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $446 per month if full coverage is included
• Increasing policy deductibles could save as much as $525 each year
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,650 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay an extra $500 per year to raise limits from 30/60 bodily injury limits to a 250/500 level