Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,450 every 12 months for full coverage. Comprehensive costs an estimated $292 each year, collision insurance costs $548, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $3,152. Teenage drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $830
• Using higher $1,000 deductibles will save approximately $190 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,450
• Using low deductibles for physical damage coverage increases the price to $1,822
• High-risk insureds who are prone to accidents and violations could pay up to $3,152
• The price to insure a 16-year-old driver can cost as much as $5,468 or more

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Insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

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How to Shop for Affordable Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief review of the ideas that were touched on in this article.

• Teenagers are charged the highest prices, with premiums as much as $456 a month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,700 more annually for car insurance
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers can save approximately $180 per year just by quoting online in advance