Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs an estimated $280 a year, collision insurance costs $516, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs around $3,064. 16-year-old drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location impacts insurance prices.

These rate differences illustrate why it is important to get quotes for a targeted area, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save approximately $1,230 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,764
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,064
• An auto insurance policy that insures a 16-year-old driver can cost as much as $5,346 each year

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the trim level of your NX 300, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 takes avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop at every other renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The points below are a brief summary of the concepts that were touched on above.

• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,650 more annually to insure a Lexus NX 300
• Drivers under the age of 20 are expensive to insure, with premiums being up to $446 per month if comprehensive and collision insurance is included
• It is possible to save approximately $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• It is possible to save approximately $170 per year just by quoting early and online