Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,450 a year for full coverage. Comprehensive insurance costs around $292, collision insurance costs $548, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,152 or more. 16-year-old drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The example below illustrates how location impacts auto insurance rates.

The ranges above show why everyone should compare rates quotes for a specific zip code, instead of using rate averages.

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

Additional Charts and Tables

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $830
• Raising to $1,000 deductibles will save about $190 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,450
• Buying pricier low deductibles will cost an additional $372 every year
• At-risk drivers with multiple tickets or accidents could pay at least $3,152
• The price that insures a teen driver for full coverage can be $5,468

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on the model of your NX 300, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,400 additional each year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost as much as 44% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $570 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Getting lower rates on car insurance consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The items below are a review of the ideas that were touched on above.

• Teen drivers are charged the highest prices, with premiums as much as $456 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,700 more every year to insure their NX 300
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers can save up to $180 per year just by quoting online well ahead of the renewal date