Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive insurance costs around $280, collision insurance costs $516, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teenage drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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
• Drivers who choose higher $1,000 deductibles will pay about $180 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,410
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $354 annually
• Drivers who are prone to accidents and violations could pay at least $3,064
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $5,346 a year

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay 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 Buy Low Cost Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the coverage data covered in the charts and tables above.

• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenagers pay higher rates, as much as $446 each month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,650 more every year for car insurance