Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs around $280, collision insurance costs $516, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs around $3,064. Teens receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save about $180 each year
• The average rate for a 40-year-old driver using $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 at least $3,064
• The cost for full coverage for a teen driver with full coverage can be $5,346 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,700 to $2,300 in extra premium per 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 Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was illustrated above.

• Drivers who may need more liability coverage will pay approximately $500 annually to increase from a minimum limit to 250/500 limits
• Teen drivers are expensive to insure, costing up to $446 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,650 more every year to insure their NX 300
• Increasing deductibles can save around $525 each year