Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability coverage is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,064 or more. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different NX 300 trim levels.

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 prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Raising to $1,000 deductibles will save $180 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Using more expensive low deductibles costs an additional $354 each year
• Unlucky drivers who are prone to accidents and violations could pay around $3,064
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $5,346

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Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $540 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

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 $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

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How to Buy the Best Cheap Lexus NX 300 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a quick review of the information touched on above.

• You may be able to save around $170 per year just by shopping early and online
• Teen drivers are expensive to insure, with the cost nearing $446 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $525 each year
• Drivers with a DUI or reckless driving violation may have to pay on average $1,650 more per year to insure their NX 300
• Consumers who purchase more liability coverage will pay an extra $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits