Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs approximately $280 a year, 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 $3,064 or more. 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:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their specific location and risk profile, rather than 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
• Using higher $1,000 deductibles will save $1,230 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Using low $100 deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,064
• An auto insurance policy for full coverage for a teenage driver can cost $5,346 or more

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Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

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

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

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300 Insurance

Finding better rates on auto insurance requires being a low-risk driver, maintaining good credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the primary concepts that were touched on in this article.

• You may be able to save around $170 per year just by quoting early and online
• Drivers who tend to receive serious violations pay on average $1,650 more per year to insure their NX 300
• Increasing policy deductibles can save around $525 each year
• Teen drivers are expensive to insure, possibly costing $446 per month for full coverage