Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why everyone should compare prices 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
• Using higher $1,000 deductibles will save about $180 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,410
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,764
• Drivers who are prone to accidents and violations could pay at least $3,064
• An auto insurance policy that insures a teen driver for full coverage can be $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,700 to $2,300 additional annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision 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, since even teens with perfect driving records should be prepared to pay as much as $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 $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 cut prices by as much as $540 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data covered in the charts and tables above.

• Drivers who may need more liability protection will pay an extra $500 every year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $525 each year
• Youthful drivers are charged the highest prices, possibly costing $446 per month if comprehensive and collision insurance is included