Lexus NX 300 Insurance Rates

The average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive costs around $280, collision insurance costs $516, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk 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:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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 price for a good driver age 40 using $500 deductibles is $1,410
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,764
• Drivers with serious driving violations could pay at least $3,064
• Policy cost to insure a teen driver with full coverage can be $5,346 or more

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

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

How to Shop for the Best Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

The following items are a brief recap of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are the costliest to insure, as much as $446 each month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations pay on average $1,650 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save up to $170 per year just by shopping early and online