Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs around $280, collision insurance costs $516, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,064 or more. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $810
• Raising to $1,000 deductibles will save about $180 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,410
• Using more expensive low deductibles will cost an extra $354 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,064
• The price for full coverage for a teen driver with full coverage can be $5,346

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Auto insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices 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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Using high physical damage deductibles can reduce prices by up to $540 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief recap of the information touched on in this article.

• You may be able to save up to $170 per year just by shopping early and online
• Drivers under the age of 20 are expensive to insure, costing up to $446 a month if they have full coverage
• Increasing physical damage deductibles can save around $525 each year
• Higher risk drivers who tend to receive serious violations pay an average of $1,650 more every year to insure a Lexus NX 300
• Policyholders who may need increased liability limits will pay an extra $500 every year to raise from a low limit to 250/500 limits