Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs around $280 each year, collision costs $516, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,064. Teenage drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $810
• Raising to $1,000 deductibles will save about $180 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Using low deductibles will cost $1,764
• At-risk drivers who are prone to accidents and violations could pay at least $3,064 or more
• An auto insurance policy with full coverage for a teen driver can be $5,346

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driver profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

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 $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

How to Buy More Affordable Lexus NX 300 Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every couple of years by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following is a summary of the material that was touched on above.

• Policyholders who may need higher liability limits will pay an extra $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teens pay higher prices, as much as $446 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations pay an average of $1,650 more every year for NX 300 insurance
• Increasing policy deductibles could save up to $525 each year