Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save around $1,230 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,410
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,764
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,064
• An auto insurance policy that insures a teen driver may cost $5,346 each year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance takes having a decent driving record, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices every time your policy renews by getting price quotes from direct companies, and also from several local insurance agents.

The following items are a recap of the information illustrated above.

• You may be able to save as much as $170 per year just by quoting early and online
• 16 to 18-year-old drivers pay the highest prices, possibly costing $446 per month if full coverage is included
• Increasing policy deductibles can save approximately $525 each year
• High-risk drivers that have major violations or accidents pay on average $1,650 more each year than a driver with a clean driving record
• Drivers who require additional liability coverage will pay an extra $500 every year to raise limits from 30/60 bodily injury limits to the 250/500 level