Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $3,064 or more. Teens receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

These examples illustrate why everyone should compare rates using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay $180 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $354 a year
• High risk drivers with serious driving violations could pay around $3,064
• The cost for full coverage for a teen driver for full coverage can cost $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires avoiding accidents and violations, but also maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,650 more per year for car insurance
• Teenagers are expensive to insure, costing up to $446 per month for full coverage
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $525 each year
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date