Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive insurance costs an estimated $280, collision insurance costs $516, and liability coverage is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $3,064 or more. Teens receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save approximately $180 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,410
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $354 each year
• Drivers with serious driving violations could pay up to $3,064
• The cost with full coverage for a teenage driver with full coverage can cost as much as $5,346 each year

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Insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live 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 Utah, Ohio, and New Hampshire, or have to pay at least $1,910 on average in New York, Michigan, and Florida.

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How to Buy Low Cost Lexus NX 300 Insurance

Saving money on auto insurance takes being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a review of the ideas that were illustrated above.

• Teenage drivers are charged the highest rates, with premiums as much as $446 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $1,650 more annually for auto insurance
• Increasing deductibles could save up to $525 each year
• You may be able to save approximately $170 per year just by shopping early and online