Lexus NX 300 Insurance Rates

The 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 estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs around $3,064. Teen drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. 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 can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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 lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save approximately $1,230 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,410
• Choosing low $100 deductibles for comp and collision coverage will cost $1,764
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,064
• Policy cost with full coverage for a teen driver can cost as much as $5,346 each year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, 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 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $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 raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

How to Buy Cheaper Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the primary concepts that were covered above.

• You may be able to save approximately $170 per year just by quoting early and online
• Higher risk drivers with multiple at-fault accidents pay on average $1,650 more annually for NX 300 insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teens are the costliest to insure, as much as $446 each month if full coverage is included