Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs around $280 each year, collision costs $516, and liability costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $3,064 or more. Teen drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $354 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,064 or more
• Policy cost that insures a teen driver can be $5,346 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $540 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be varied.

How to Find the Best Cheap Lexus NX 300 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick review of the data covered above.

• Policyholders who may need increased liability limits will pay about $500 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $446 each month if full coverage is purchased