Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $516, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $3,064 or more. 16-year-old 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:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save about $1,230 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage will cost an additional $354 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,064
• The cost that insures a teen driver can be $5,346 each year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

Where you 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 at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Saving money on car insurance takes being a good driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a review of the concepts that were touched on in this article.

• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,650 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest rates, as much as $446 per month if comprehensive and collision insurance is included
• You may be able to save up to $170 per year just by quoting early and online
• Increasing deductibles can save approximately $525 each year
• You may be able to save up to $170 per year just by quoting early and online