Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs around $280, collision insurance costs $516, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,064. Teen drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save about $180 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Choosing more expensive low deductibles for physical damage coverage will cost $1,764
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,064
• An auto insurance policy with full coverage for a teenage driver with full coverage can be $5,346 or more

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Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driver profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

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How to Buy Cheap Lexus NX 300 Insurance

Finding better rates on auto insurance requires having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a brief summary of the primary concepts that were covered above.

• Drivers can save up to $170 per year just by shopping early and online
• Drivers that tend to have accidents or serious violations pay an average of $1,650 more every year to buy Lexus NX 300 insurance
• Increasing policy deductibles could save up to $525 each year
• Drivers age 20 and younger pay higher prices, as much as $446 per month including comprehensive and collision insurance