Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive costs an estimated $280 a year, collision insurance costs $516, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,064. Teens 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:

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save approximately $1,230 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,410
• Selecting low $100 deductibles will cost $1,764
• At-risk drivers with serious driving violations could pay up to $3,064
• The price with full coverage for a teen driver can cost as much as $5,346

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months 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 may be forking out $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 every year, while buying higher liability limits will increase premiums. Moving 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 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 Utah, Ohio, and New Hampshire, or have to pay at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy More Affordable Lexus NX 300 Insurance

Getting lower rates on car insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting early and online
• Higher risk drivers who have multiple accidents or major violations pay on average $1,650 more annually to buy Lexus NX 300 insurance
• Increasing physical damage deductibles could save up to $525 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $446 a month if full coverage is included