Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs around $280 each year, collision costs $516, and liability insurance costs around $456. Liability-only insurance costs as low 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save about $180 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,764
• Drivers with serious driving violations could pay at least $3,064 or more
• Policy cost that insures a teen driver can be $5,346 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates 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 could cut rates by as much as $540 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied.

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a review of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, as much as $446 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,650 more every year to insure a Lexus NX 300
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• You may be able to save up to $170 per year simply by quoting online in advance