Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs approximately $280 a year, collision insurance costs $516, and liability insurance is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs around $3,064. 16-year-old drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Prices include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save $1,230 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,764
• High-risk insureds with multiple tickets or accidents could pay around $3,064
• The cost for full coverage for a teen driver can cost $5,346 each year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model of your NX 300, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find the Right Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following is a quick rundown of the data raised in the charts and tables above.

• Drivers who purchase higher liability limits will pay around $500 per year to raise limits from a minimum limit to 250/500 limits
• You may be able to save around $170 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Teens are the costliest to insure, as much as $446 per month including comprehensive and collision insurance