Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability insurance is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,064 or more. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have fewer physical damage claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $810
• Raising to $1,000 deductibles will save around $180 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,410
• Buying pricier low deductibles costs an additional $354 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,064
• The price with full coverage for a teen driver for full coverage may cost $5,346

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Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional each 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 the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,910 on average in Michigan, New York, and Florida.

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How to Buy the Best Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of being safe and accident-free, having good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers who tend to receive serious violations may pay on average $1,650 more each year than a low-risk driver
• It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $525 each year
• Drivers who require more liability protection will pay around $500 annually to raise from a low limit to higher 250/500 limits