Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs around $280, collision costs $516, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,064 or more. Teen drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.

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

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save about $180 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,410
• Choosing pricier low deductibles will cost an extra $354 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,064 or more
• The price for full coverage for a teen driver for full coverage can be $5,346

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 additional each year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

How to Find Low Cost Lexus NX 300 Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a review of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have several accidents or serious violations may pay on average $1,650 more every year than a low-risk driver
• Youthful drivers are charged the highest prices, as much as $446 a month including comprehensive and collision insurance
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $525 each year
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date