Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs on average $280 a year, collision insurance costs $516, and liability coverage costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $3,064. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These examples demonstrate why it is important to compare rates based on a specific location, rather than using average rates.

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

Additional Rate Information

The chart below details average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $1,230 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,410
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,064
• The cost that insures a teenage driver may cost $5,346 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus NX 300 Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the data that was illustrated above.

• You may be able to save as much as $170 per year just by quoting early and online
• Consumers who require more liability protection will pay an extra $500 every year to go from a minimum limit to the 250/500 level
• Youthful drivers are charged the highest rates, with premiums as much as $446 per month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,650 more each year than a low-risk driver