Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive costs approximately $292, collision insurance costs $548, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $3,152. Teen drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 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 large influence on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $830
• Raising to $1,000 deductibles will save $190 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,450
• Choosing more expensive low deductibles will increase the cost to $1,822
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,152
• The price for full coverage for a teenage driver with full coverage can cost $5,468

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,400 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 $1,050 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $570 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 131% more than average. View High Risk Driver Rates

How to Find Cheap Lexus NX 300 Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief summary of the data touched on in the above illustrations.

• Consumers who purchase additional liability coverage will pay about $500 every year to raise from a low limit to 250/500 limits
• You may be able to save around $180 per year just by shopping early and online
• Increasing physical damage deductibles can save around $550 each year
• 16 to 18-year-old drivers pay the highest auto insurance prices, costing up to $456 a month if full coverage is included