Lexus NX 300 Insurance Rates

Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs around $280, collision insurance costs $516, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $3,064. Teen drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save about $180 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,410
• Choosing more expensive low deductibles for physical damage coverage will cost $1,764
• Drivers with multiple violations and an at-fault accident could pay at least $3,064
• An auto insurance policy with full coverage for a teen driver with full coverage can be $5,346 or more

View Chart as Image

Auto insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driver profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Best Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every year by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following items are a brief recap of the coverage data touched on in the above illustrations.

• Drivers can save up to $170 per year just by shopping early and online
• Increasing policy deductibles could save up to $525 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $446 per month if full coverage is included
• High-risk drivers who tend to receive serious violations pay an average of $1,650 more every year than a driver with a clean driving record