Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs approximately $280 a year, collision insurance costs $516, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,064 or more. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Includes $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save $1,230 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,410
• Buying low $100 deductibles for physical damage coverage will cost an additional $354 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,064
• The price that insures a teenage driver can cost $5,346 or more

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on the trim level of your NX 300, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection 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

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on auto insurance requires having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Comparison shop every couple of years by requesting quotes from direct companies, and also from local insurance agencies.

The next list is a recap of the material that was touched on in this article.

• Consumers who purchase increased levels of liability coverage will pay around $500 every year to increase from a low limit to the 250/500 level
• Drivers age 20 and younger pay the highest auto insurance prices, costing up to $446 a month if full coverage is purchased
• Drivers that have major violations or accidents may have to pay on average $1,650 more per year to buy Lexus NX 300 insurance
• Increasing physical damage deductibles can save approximately $525 each year