Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs approximately $280 a year, collision costs $516, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing $3,064 or more. Teen drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to compare prices using their specific location, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save $1,230 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,410
• Choosing low $100 deductibles for physical damage coverage will cost an additional $354 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,064 or more
• The price that insures a 16-year-old driver can cost $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on the trim level of your NX 300, how you drive, and physical damage deductibles and liability limits.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay 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 prices. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $540 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different.

How to Find Cheap Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least every other year by requesting rates from direct carriers, and also from insurance agencies where you live.

The next list is a brief summary of the car insurance concepts illustrated above.

• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,650 more per year to buy Lexus NX 300 insurance
• Drivers can save around $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Insureds who purchase increased levels of liability coverage will pay about $500 each year to increase from a low limit to the 250/500 level