Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $516, and liability is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs $3,064 or more. Teens pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below shows average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save around $180 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,410
• Selecting low deductibles will cost an extra $354 every year
• At-risk drivers with serious driving violations could pay upwards of $3,064
• An auto insurance policy for full coverage for a teen driver may cost $5,346

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level of your NX 300, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

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 cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 additional annually, 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

How to Find Cheaper Lexus NX 300 Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The next list is a condensed summary of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger pay higher prices, as much as $446 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents will pay on average $1,650 more each year to buy Lexus NX 300 insurance
• Increasing policy deductibles can save around $525 each year
• Drivers can save as much as $170 per year just by quoting online in advance