Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive insurance costs around $280, collision insurance costs $516, and liability coverage costs around $456. A policy with only liability insurance costs as low as $508 a year, and a high-risk policy 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 for type of coverage:

Estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $810
• Using higher $1,000 deductibles will save about $180 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Using pricier low deductibles for physical damage coverage costs an additional $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,064
• An auto insurance policy with full coverage for a teenage driver for full coverage can be $5,346 or more

View Chart as Image

Car insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your risk profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage 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 without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Low Cost Lexus NX 300 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following is a review of the coverage data covered in the charts and tables above.

• It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $525 each year
• Teens are the costliest to insure, with premiums being up to $446 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations pay on average $1,650 more every year for NX 300 insurance