Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,450 annually including full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability coverage is $452. A policy with only liability insurance costs around $504 a year, with a high-risk policy costing around $3,152. Teenage drivers pay the most at $5,468 a year or more.

Average premium for full coverage: $1,450

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical 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 the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

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

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $830
• Raising to $1,000 deductibles will save approximately $190 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,450
• Using more expensive low deductibles will cost $1,822
• Unlucky drivers who are prone to accidents and violations could pay up to $3,152 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $5,468

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

An older driver with no driving violations and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $570 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. 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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,070 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

How to Buy the Best Cheap Lexus NX 300 Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick review of the data that was covered in the charts and tables above.

• You may be able to save approximately $180 per year simply by shopping early and online
• Consumers who want higher liability limits will pay an extra $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers have the highest car insurance prices, with the cost nearing $456 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,700 more annually for car insurance