Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive insurance costs approximately $280 a year, collision insurance costs $516, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Raising to $1,000 deductibles will save $1,230 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low $100 deductibles costs an extra $354 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,064
• The price to insure a teen driver can cost $5,346

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Insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your driving record, and the model of your NX 300.

Using high physical damage deductibles can reduce prices by up to $540 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,910 on average in New York, Michigan, and Florida.

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How to Shop for the Best Lexus NX 300 Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were covered above.

• Teenage drivers are the costliest to insure, costing up to $446 a month if full coverage is included
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,650 more per year for auto insurance
• Increasing physical damage deductibles could save as much as $525 each year
• You may be able to save around $170 per year just by quoting early and online