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 costs around $280 a year, collision insurance costs $516, and liability insurance is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs around $3,064. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

The ranges above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save about $1,230 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,410
• Buying low $100 deductibles for comp and collision coverage will cost $1,764
• High-risk insureds with multiple tickets or accidents could pay at least $3,064
• The price with full coverage for a teen driver can be $5,346 each year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $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 least $1,700 to $2,300 extra each 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

Opting for high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay 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.

View Chart as Image

How to Buy the Cheapest Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance takes having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a recap of the coverage data illustrated above.

• It is possible to save up to $170 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $525 each year
• Drivers age 20 and younger are the costliest to insure, as much as $446 a month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents pay on average $1,650 more every year to buy Lexus NX 300 insurance