Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs approximately $280, collision insurance costs $516, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $3,064. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save $180 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,764
• High-risk insureds who are prone to accidents and violations could pay around $3,064
• The price for full coverage for a teen driver for full coverage can cost $5,346 each year

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model of your NX 300, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay 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

Using high physical damage deductibles can save as much as $540 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a review of the ideas that were raised in the charts and tables above.

• Teenage drivers are the costliest to insure, possibly costing $446 a month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,650 more per year for auto insurance
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date