Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare rates based on a specific location, instead of using price averages.

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

Additional Rate Details

The chart below shows estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $1,230 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,410
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,064 or more
• Policy cost that insures a teen driver may cost $5,346 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on the trim level of your NX 300, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied.

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a review of the information touched on in this article.

• Drivers can save as much as $170 per year simply by quoting early and online
• 16 to 18-year-old drivers are charged the highest rates, costing up to $446 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,650 more each year than a driver with a clean driving record
• Policyholders who require additional liability coverage will pay about $500 each year to go from a 30/60 limit to the 250/500 level