Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical 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 car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save around $180 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,410
• Using more expensive low deductibles for physical damage coverage will cost an extra $354 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,064
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,346 or more

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Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level of your NX 300, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

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 be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

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

How to Find Cheap Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires avoiding accidents and violations, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a brief summary of the information illustrated above.

• Drivers can save as much as $170 per year just by shopping early and online
• Teenagers pay the highest prices, as much as $446 per month for full coverage
• Increasing policy deductibles can save around $525 each year
• High-risk drivers that tend to have accidents or serious violations will pay on average $1,650 more each year for car insurance
• Drivers who require higher liability limits will pay an extra $500 each year to increase from 30/60 bodily injury limits to 250/500 limits