Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save about $180 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,410
• Selecting low deductibles for physical damage coverage will increase the cost to $1,764
• Higher-risk drivers with serious driving violations could pay at least $3,064
• Policy cost for full coverage for a teenage driver can be $5,346 or more

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

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

Your home state has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

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

How to Find the Cheapest Lexus NX 300 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a recap of the material that was presented in the illustrations above.

• Consumers who may need higher liability limits will pay approximately $500 every year to increase from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, as much as $446 each month if they have full coverage
• Drivers that have major violations or accidents pay an average of $1,650 more every year for NX 300 insurance
• Increasing comprehensive and collision deductibles can save around $525 each year