Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist 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 has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below details estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save about $1,230 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,410
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $354 a year
• High-risk insureds with serious driving violations could pay at least $3,064 or more
• Policy cost for full coverage for a teen driver can be $5,346 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

How to Find Cheaper Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance takes being safe and accident-free, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with multiple at-fault accidents pay an average of $1,650 more every year than a low-risk driver
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers who may need more liability protection will pay approximately $500 every year to raise limits from a 30/60 limit to 250/500 limits