Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs around $280 each year, collision costs $516, and liability coverage costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers 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 for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,764
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,064 or more
• Policy cost for full coverage for a teenage driver can be $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on your risk profile, the trim level of your NX 300, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance rates. 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 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

How to Find More Affordable Lexus NX 300 Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a summary of the car insurance concepts touched on above.

• Drivers who have multiple accidents or major violations may be required to pay an average of $1,650 more every year than a low-risk driver
• Drivers can save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Consumers who may need more liability protection will pay about $500 each year to go from a 30/60 limit to 250/500 limits