Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs on average $280 each year, 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 $3,064 or more. Teens receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

These examples show why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save around $180 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,410
• Selecting low deductibles for physical damage coverage will cost an extra $354 a year
• Drivers with serious driving violations could pay upwards of $3,064
• The cost for full coverage for a teen driver may cost $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 trim level of your NX 300, and policy deductibles and limits.

More mature drivers 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 upwards of $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 $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, whereas increasing liability limits will cost you more. Going 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 could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find Cheap Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance requires having a good driving record, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The next list is a brief summary of the data presented in the illustrations above.

• Drivers who require increased levels of liability coverage will pay approximately $500 each year to increase from a minimum limit to 250/500 limits
• Drivers can save as much as $170 per year just by quoting online in advance
• Increasing deductibles can save around $525 each year
• Drivers age 20 and younger are charged the highest rates, costing as high as $446 per month if they have full coverage