Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs on average $280 each year, collision insurance costs $516, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs around $3,064. Teens receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

These examples illustrate why all drivers should get quotes based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save around $180 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,410
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,764
• Drivers with serious driving violations could pay upwards of $3,064
• The cost for full coverage for a teenage driver may cost $5,346 each year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you 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 $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Lexus NX 300 Insurance

Saving money on auto insurance takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every policy renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a condensed summary of the data touched on in the above illustrations.

• Consumers who require increased levels of liability coverage will pay approximately $500 annually to raise limits from a minimum limit to 250/500 limits
• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing deductibles can save around $525 each year
• Drivers age 20 and younger pay higher rates, costing up to $446 per month including comprehensive and collision insurance