Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $516, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,064. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $810
• Raising to $1,000 deductibles will save $180 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low deductibles increases the price to $1,764
• Drivers who are prone to accidents and violations could pay around $3,064
• The price to insure a 16-year-old driver can cost $5,346

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your NX 300.

Using high physical damage deductibles can reduce prices by up to $540 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 consists of being a low-risk driver, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,650 more per year to insure their NX 300
• You may be able to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $525 each year
• Insureds who purchase more liability coverage will pay an extra $500 per year to raise from a low limit to a 250/500 level