Lexus NX 300 Insurance Rates

The average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive insurance costs an estimated $280, collision insurance costs $516, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,064 or more. Teens cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save approximately $180 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,410
• Selecting more expensive low deductibles for physical damage coverage costs an extra $354 annually
• High-risk insureds with serious driving violations could pay up to $3,064
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,346 or more

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Auto insurance rates for a Lexus NX 300 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be from 43% to 134% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Affordable Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a brief review of the ideas that were covered above.

• Teens are the costliest to insure, costing up to $446 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,650 more annually for NX 300 insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers can save approximately $170 per year just by shopping early and online