Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $516, and liability insurance costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $3,064. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than relying on price averages.

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

More Rate Details

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay approximately $180 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,764
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,064
• The price to insure a teen driver can cost as much as $5,346 a year

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

Choosing high deductibles could save up to $540 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,910 on average in New York, Michigan, and Florida.

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How to Shop for Cheap Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the coverage data covered in the above illustrations.

• You may be able to save approximately $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $446 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,650 more annually to insure a Lexus NX 300