Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive costs an estimated $292 each year, collision costs $548, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $3,152. Teenage drivers pay the most at $5,468 a year or more.

Average premium for full coverage: $1,450

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

These rate differences demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $830
• Drivers who choose higher $1,000 deductibles will pay approximately $190 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,450
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,822
• High-risk insureds who are prone to accidents and violations could pay up to $3,152 or more
• An auto insurance policy for full coverage for a teenage driver can cost as much as $5,468 a year

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $570 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

How to Find Low Cost Lexus NX 300 Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the primary concepts that were illustrated above.

• You may be able to save approximately $180 per year simply by quoting online in advance
• Drivers who have several accidents or serious violations may pay on average $1,700 more annually than a safer driver
• Increasing policy deductibles can save around $550 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $456 per month including comprehensive and collision insurance