Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs an estimated $280, collision costs $516, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers 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 broken down by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 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 insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how your location can change insurance prices.

The examples above show 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.

More Rate Information

The chart below shows estimated 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 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,410
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $354 every year
• Unlucky drivers with serious driving violations could pay up to $3,064 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,346 each year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,300 extra every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges as much as 43% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,300 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 $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

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

How to Find Cheaper Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest rates, costing up to $446 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,650 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date