Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,410
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $354 annually
• Drivers with serious driving violations could pay at least $3,064
• The cost for full coverage for a 16-year-old driver for full coverage can be $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model of your NX 300, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300 Insurance

Saving money on insurance for a Lexus NX 300 not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief recap of the coverage data covered above.

• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $525 each year
• Teens are charged the highest rates, as much as $446 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,650 more every year for NX 300 insurance