Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive costs approximately $280, collision insurance costs $516, and liability coverage is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers 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 by type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save $180 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,410
• Choosing more expensive low deductibles will cost $1,764
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,064
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,346

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Insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, 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. Rates are highest for teenagers, 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 points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 134% more than average. View High Risk Driver Rates

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

Your home state also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

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How to Buy the Cheapest Lexus NX 300 Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a recap of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year just by shopping early and online
• Consumers who purchase more liability protection will pay about $500 per year to raise from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, with premiums being up to $446 each month including comprehensive and collision insurance
• Drivers that have major violations or accidents may have to pay on average $1,650 more per year than a low-risk driver