Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive costs on average $280, collision costs $516, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,064. Teens pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below details estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save around $180 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,410
• Selecting pricier low deductibles increases the price to $1,764
• Drivers with serious driving violations could pay upwards of $3,064 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,346

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Insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your NX 300.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 additional annually, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices 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.

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With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different.

How to Shop for More Affordable Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 consists of being safe and accident-free, having above-average credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was covered in the charts and tables above.

• Insureds who require more liability protection will pay approximately $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers pay higher prices, possibly costing $446 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,650 more each year than a low-risk driver
• Increasing policy deductibles could save as much as $525 each year