Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance 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 $3,064 or more. Teen drivers 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:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save about $180 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $354 each year
• Drivers with multiple violations and an at-fault accident could pay at least $3,064
• Policy cost that insures a teenage driver for full coverage can be $5,346 each year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges around 43% to 134% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state 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 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 can save as much as $540 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Lexus NX 300 Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief summary of the data covered above.

• Consumers who may need more liability protection will pay about $500 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Youthful drivers pay higher rates, costing up to $446 each month if full coverage is included