Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $516, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $3,064 or more. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,410
• Using low deductibles for comprehensive and collision insurance costs an additional $354 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,064
• The cost with full coverage for a teen driver may cost $5,346 a year

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driving record, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 extra per 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

Using high physical damage deductibles could save up to $540 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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

How to Buy the Best Cheap Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a quick review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation pay an average of $1,650 more each year to buy Lexus NX 300 insurance
• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing deductibles could save up to $525 each year
• Drivers who require increased levels of liability coverage will pay an extra $500 every year to go from a minimum limit to higher 250/500 limits