Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs approximately $280, collision insurance costs $516, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,064. Teen 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 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save $180 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,764
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,064
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,346 each year

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

An older driver with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest 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 plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

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Choosing high deductibles can save as much as $540 each year, while increasing your policy's liability limits will push prices upward. Going 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 could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 134% more than average. View High Risk Driver Rates

How to Find Low Cost Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the data that was covered in the above illustrations.

• Drivers can save around $170 per year just by shopping early and online
• Drivers who purchase more liability coverage will pay about $500 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are expensive to insure, as much as $446 per month for full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,650 more per year to insure their NX 300