Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability insurance is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $3,064 or more. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The example below illustrates how where you live affects auto insurance prices.

The ranges above show why everyone should get quotes using their specific location and risk profile, rather than relying on rate averages.

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

More Rate Information

The chart below shows average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $810
• Choosing higher $1,000 deductibles can save $180 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Buying pricier low deductibles for comp and collision coverage will cost an extra $354 a year
• High-risk insureds with multiple tickets or accidents could pay around $3,064
• The price for full coverage for a teen driver for full coverage can cost $5,346 each year

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level of your NX 300, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance takes avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a recap of the primary concepts that were touched on in the above illustrations.

• Drivers can save around $170 per year just by quoting online well ahead of the renewal date
• High-risk drivers that have major violations or accidents may pay on average $1,650 more per year for car insurance
• Increasing physical damage deductibles can save around $525 each year
• Teenagers are expensive to insure, with premiums as much as $446 a month for full coverage