Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,450

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $830
• Using higher $1,000 deductibles will save around $1,260 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,450
• Selecting low $100 deductibles for physical damage coverage will cost an extra $372 every year
• Drivers with serious driving violations could pay upwards of $3,152
• The price for full coverage for a teen driver may cost $5,468 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $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 $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 131% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief review of the ideas that were touched on above.

• Drivers under the age of 20 are charged the highest prices, possibly costing $456 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,700 more each year to insure a Lexus NX 300
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save as much as $180 per year just by quoting early and online