Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $3,064 or more. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

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

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Car insurance rates for a Lexus NX 300 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $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 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates 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.

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How to Shop for More Affordable Lexus NX 300 Insurance

Saving money on auto insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a summary of the data touched on above.

• Consumers who may need an increased level of liability coverage will pay an extra $500 every year to increase from a minimum limit to a 250/500 level
• You may be able to save up to $170 per year just by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $446 per month if the policy includes full coverage