Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs an estimated $280, collision insurance costs $516, and liability insurance costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs around $3,064. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save approximately $180 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,410
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,764
• Drivers with serious driving violations could pay up to $3,064
• The price for full coverage for a teen driver with full coverage can cost as much as $5,346 or more

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the information covered in the above illustrations.

• You may be able to save approximately $170 per year just by shopping early and online
• Drivers age 20 and younger are charged the highest prices, costing up to $446 a month for full coverage
• Increasing physical damage deductibles can save around $525 each year
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,650 more annually to buy Lexus NX 300 insurance
• Drivers who want increased levels of liability coverage will pay approximately $500 every year to increase from a low limit to 250/500 limits