Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,450 a year for full coverage. Comprehensive costs an estimated $292, collision insurance costs $548, and liability costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $3,152. 16-year-old drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The example below illustrates how location helps determine insurance prices.

The ranges above show why everyone should compare prices for a targeted area, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $830
• Using higher $1,000 deductibles will save approximately $190 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,450
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,822
• High-risk insureds with multiple tickets or accidents could pay up to $3,152
• The price that insures a 16-year-old driver for full coverage can cost as much as $5,468 or more

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on the model of your NX 300, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,400 extra each year, depending on your age. Lexus NX 300 insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or at least $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $570 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection 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

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,700 more annually to insure a Lexus NX 300
• Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $550 each year
• Insureds who want increased liability limits will pay around $500 each year to increase from a low limit to the 250/500 level