Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs approximately $280, collision costs $516, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,064 or more. Teen drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on price averages.

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

More Rate Information

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay $180 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,410
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $354 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $3,064 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $5,346 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on your risk profile, the model of your NX 300, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $540 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find the Cheapest Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the material that was touched on in the above illustrations.

• Drivers who purchase an increased level of liability coverage will pay about $500 per year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $446 each month if they have full coverage
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,650 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $525 each year