Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs around $280, collision insurance costs $516, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $3,064 or more. Teen drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save about $180 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,410
• Choosing pricier low deductibles will cost an extra $354 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,064
• The cost for full coverage for a teen driver for full coverage can be $5,346

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model of your NX 300, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can reduce rates by up to $540 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

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

How to Find the Right Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance consists of having a good driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a quick rundown of the concepts that were raised in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,650 more every year to buy Lexus NX 300 insurance
• Drivers age 20 and younger are the costliest to insure, as much as $446 per month if full coverage is included
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $525 each year
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date