Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs around $280 a year, collision costs $516, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,064. Teenage drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay about $1,230 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,410
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• High-risk insureds who are prone to accidents and violations could pay at least $3,064 or more
• The price that insures a teenage driver can be $5,346 a year

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on the trim level 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 $2,300 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different.

How to Find Cheaper Lexus NX 300 Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were covered in the above illustrations.

• Drivers with multiple at-fault accidents pay on average $1,650 more every year to insure their NX 300
• Teen drivers are the costliest to insure, with premiums as much as $446 a month if full coverage is purchased
• Drivers can save up to $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers can save up to $170 per year simply by quoting early and online