Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive costs an estimated $280, collision costs $516, and liability insurance is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $3,064. Teenage drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Raising to $1,000 deductibles will save approximately $180 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,410
• Using more expensive low deductibles increases the price to $1,764
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,064 or more
• The price to insure a teen driver with full coverage can cost as much as $5,346

View Chart as Image

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

Using high physical damage deductibles can reduce prices by up to $540 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect 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 are likely paying $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

How to Shop for Cheap Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of having a good driving record, having good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the material that was touched on in the above illustrations.

• Drivers who want increased levels of liability coverage will pay an extra $500 per year to raise from a low limit to a 250/500 level
• Drivers age 20 and younger are charged the highest prices, possibly costing $446 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,650 more annually to buy Lexus NX 300 insurance
• Increasing physical damage deductibles could save as much as $525 each year