Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $3,064 or more. Teens 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:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different 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. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save $180 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,410
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $354 every year
• Unlucky drivers with serious driving violations could pay around $3,064
• Policy cost for full coverage for a teen driver with full coverage can cost $5,346 each year

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Auto insurance rates for a Lexus NX 300 also range considerably based on your risk profile, the trim level of your NX 300, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

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 $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $540 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the coverage data covered in the above illustrations.

• Drivers can save around $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $446 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,650 more per year than a safer driver