Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

The ranges above illustrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,410
• Using pricier low deductibles for comp and collision coverage costs an additional $354 each year
• Drivers who are prone to accidents and violations could pay up to $3,064
• The price with full coverage for a teenage driver for full coverage can cost as much as $5,346 each year

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Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record 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 will have to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. Lexus NX 300 insurance for high-risk drivers 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, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,910 on average in Florida, New York, and Michigan.

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How to Buy Low Cost Lexus NX 300 Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the data touched on in the above illustrations.

• Consumers who want more liability coverage will pay an extra $500 annually to raise limits from a low limit to higher 250/500 limits
• It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $525 each year
• Teen drivers are the costliest to insure, as much as $446 a month if full coverage is included