Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,450 a year including full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $3,152. Teens cost the most to insure at $5,468 a year or more.

Average premium for full coverage: $1,450

Policy rates broken down by type of insurance:

Includes $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

The examples above highlight why everyone should get quotes for a targeted area, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $830
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,450
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,822
• Unlucky drivers with serious driving violations could pay up to $3,152 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,468 each year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 additional every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges as much as 44% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,400 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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and rates will be varied.

How to Find the Cheapest Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a recap of the coverage data touched on in the above illustrations.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teens are expensive to insure, with premiums being up to $456 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents could be charged and average of $1,700 more annually for NX 300 insurance