Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive insurance costs around $280, collision costs $516, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $3,064 or more. Teens receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

These estimates include $500 physical damage deductibles, 30/60 liability limits, 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 has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

These examples highlight why everyone should compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated 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 price for a 40-year-old driver using $500 deductibles is $1,410
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $354 a year
• High risk drivers with serious driving violations could pay at least $3,064 or more
• The cost to insure a teen driver for full coverage can be $5,346 a year

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

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

A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age

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

Where you live makes a big difference in Lexus NX 300 insurance rates. 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

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different.

How to Shop for Cheap Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the data touched on above.

• Drivers who may need higher levels of liability will pay approximately $500 per year to go from a minimum limit to a 250/500 level
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $525 each year
• Teenage drivers are expensive to insure, as much as $446 per month if comprehensive and collision insurance is included