Lexus NX 300 Insurance Rates

Estimated insurance prices for a Lexus NX 300 are $1,450 every 12 months with full coverage. Comprehensive insurance costs an estimated $292, collision insurance costs $548, and liability coverage is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs $3,152 or more. 16-year-old drivers pay the most at up to $5,468 a year.

Average premium for full coverage: $1,450

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM 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 has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $830
• Raising to $1,000 deductibles will save approximately $190 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,450
• Buying pricier low deductibles costs an extra $372 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $3,152
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,468

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Car 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 model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $570 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,960 on average in New York, Michigan, and Florida.

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How to Shop for the Best Cheap Lexus NX 300 Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below is a quick review of the data touched on in this article.

• Consumers who want higher levels of liability will pay around $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• Teenage drivers have the highest car insurance prices, possibly costing $456 per month if the policy includes full coverage