Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive insurance costs on average $280 a year, collision costs $516, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $3,064 or more. 16-year-old drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save around $1,230 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage costs an additional $354 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,064 or more
• Policy cost with full coverage for a teen driver may cost $5,346 each year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.

How to Buy Cheaper Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance takes being safe and accident-free, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the data that was illustrated above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Drivers who require more liability protection will pay around $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $446 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay an average of $1,650 more each year than a low-risk driver