Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive costs around $280, collision insurance costs $516, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $3,064. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes 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.

Detailed Rate Analysis

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

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save about $180 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,410
• Using more expensive low deductibles for comp and collision coverage will cost $1,764
• Drivers who are prone to accidents and violations could pay at least $3,064
• The price with full coverage for a teenage driver with full coverage can be $5,346 each year

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Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

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How to Buy Low Cost Lexus NX 300 Insurance

Getting lower rates on auto insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the car insurance concepts touched on above.

• Drivers who have several accidents or serious violations may pay on average $1,650 more every year than a safer driver
• You may be able to save up to $170 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $525 each year
• Consumers who may need an increased level of liability coverage will pay an extra $500 every year to raise limits from a low limit to higher 250/500 limits