Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,064 or more. Teen drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save around $180 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,410
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $354 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,064
• Policy cost that insures a teen driver with full coverage may cost $5,346 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $540 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the material that was illustrated above.

• Policyholders who require an increased level of liability coverage will pay about $500 annually to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay higher rates, possibly costing $446 each month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,650 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year