Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability insurance costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teenage drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,410
• Using low deductibles for comprehensive and collision insurance will cost an additional $354 a year
• High risk drivers who are prone to accidents and violations could pay at least $3,064
• Policy cost that insures a teen driver can be $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare prices every time your policy renews by quoting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a review of the information covered in the above illustrations.

• You may be able to save up to $170 per year just by quoting online in advance
• Drivers under the age of 20 pay higher rates, as much as $446 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,650 more every year to insure a Lexus NX 300
• Drivers who may need increased liability limits will pay an extra $500 every year to go from a 30/60 limit to the 250/500 level