Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs around $280 each year, collision insurance costs $516, and liability insurance is $456. Liability-only coverage costs around $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 for type of coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $810
• Raising to $1,000 deductibles will save about $180 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,410
• Using low deductibles bumps up the cost to $1,764
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,064
• An auto insurance policy that insures a teen driver can be $5,346

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance consists of having a good driving record, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a recap of the car insurance concepts touched on in this article.

• High-risk drivers that have major violations or accidents may have to pay on average $1,650 more every year to buy Lexus NX 300 insurance
• You may be able to save up to $170 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $525 each year
• Drivers who may need increased levels of liability coverage will pay an extra $500 per year to raise from 30/60 bodily injury limits to the 250/500 level