Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $516, and liability insurance is $456. A policy with only liability insurance costs around $508 a year, and a high-risk policy costs around $3,064. Teen drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Prices include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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 additional coverage and risk scenarios.

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save $180 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Choosing low deductibles will cost $1,764
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,064
• An auto insurance policy with full coverage for a teen driver can cost $5,346

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Car insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

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How to Buy the Right Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and attention to physical damage deductibles. Make time to compare rates at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following is a quick rundown of the car insurance concepts touched on in this article.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,650 more per year for NX 300 insurance
• Drivers can save around $170 per year just by quoting online in advance
• Increasing policy deductibles could save up to $525 each year
• Drivers who purchase higher liability limits will pay about $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits