Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using 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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save $180 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Selecting low deductibles for physical damage coverage costs an additional $354 each year
• Higher-risk drivers with serious driving violations could pay around $3,064
• The price with full coverage for a teenage driver can cost $5,346 or more

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

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

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.

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How to Buy Affordable Lexus NX 300 Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the data covered above.

• Consumers who purchase more liability coverage will pay approximately $500 every year to increase from a low limit to higher 250/500 limits
• You may be able to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $525 each year
• Teen drivers are expensive to insure, costing up to $446 a month including comprehensive and collision insurance