Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive insurance costs an estimated $280 a year, collision insurance costs $516, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $3,064 or more. Teen drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes medical and 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 auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay approximately $1,230 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,410
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $354 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,064
• Policy cost with full coverage for a teen driver can cost as much as $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 liability limits and deductibles.

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 highest for teenagers, where even without any violations or accidents they will have to pay at least $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 $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 average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 every year, while buying higher liability limits will increase premiums. 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 Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,650 more annually for NX 300 insurance
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Policyholders who want higher liability limits will pay about $500 per year to go from a 30/60 limit to higher 250/500 limits