Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,496 a year including full coverage. Comprehensive insurance costs an estimated $304, collision insurance costs $592, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs $3,256 or more. Teenage drivers pay the highest rates at up to $5,612 a year.

Average premium for full coverage: $1,496

Price estimates broken down by individual coverage:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $850
• Raising to $1,000 deductibles will save approximately $204 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,496
• Using more expensive low deductibles will cost an extra $396 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,256
• The price for full coverage for a teen driver with full coverage can cost as much as $5,612

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model of your NX 300, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,600 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of having a good driving record, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a recap of the ideas that were touched on in the above illustrations.

• Drivers age 20 and younger are charged the highest prices, possibly costing $468 a month for full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,760 more annually to buy Lexus NX 300 insurance
• Increasing physical damage deductibles can save around $600 each year
• You may be able to save approximately $180 per year just by shopping early and online