Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs on average $280 a year, collision insurance costs $516, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $3,064. 16-year-old drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save around $1,230 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,764
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,064
• Policy cost that insures a 16-year-old driver may cost $5,346 each year

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on the trim level of your NX 300, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 takes being a good driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The following list is a brief review of the information covered above.

• You may be able to save as much as $170 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, as much as $446 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,650 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay around $500 every year to raise limits from a 30/60 limit to the 250/500 level