Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive costs approximately $280 a year, collision insurance costs $516, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,064. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save $1,230 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Using low $100 deductibles for physical damage coverage increases the price to $1,764
• High-risk insureds who are prone to accidents and violations could pay around $3,064
• An auto insurance policy to insure a 16-year-old driver can cost $5,346 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $540 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for Low Cost Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 requires avoiding accidents and claims, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The points below are a review of the primary concepts that were touched on in the above illustrations.

• Drivers can save around $170 per year just by quoting early and online
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,650 more per year to insure a Lexus NX 300
• Increasing policy deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, as much as $446 per month if they have full coverage