Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs approximately $280 each year, collision insurance costs $516, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save $180 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,410
• Selecting low deductibles will cost an additional $354 every year
• At-risk drivers with serious driving violations could pay around $3,064
• The price that insures a teen driver can cost $5,346

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Lexus NX 300 Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The following is a brief summary of the information covered in the above illustrations.

• You may be able to save around $170 per year just by quoting online in advance
• Teens are the costliest to insure, costing up to $446 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $525 each year
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,650 more per year for NX 300 insurance
• Policyholders who purchase higher liability limits will pay approximately $500 every year to raise from a low limit to the 250/500 level