Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive costs around $280 a year, collision costs $516, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,064. 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:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $1,230 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,410
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,764
• Higher-risk drivers with serious driving violations could pay at least $3,064 or more
• Policy cost with full coverage for a teen driver can be $5,346 a year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied between companies.

How to Buy More Affordable Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,650 more every year to insure a Lexus NX 300
• Drivers under the age of 20 are expensive to insure, with premiums being up to $446 each month if full coverage is included
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• You may be able to save up to $170 per year simply by quoting early and online