Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage insurance. Comprehensive costs on average $280, collision insurance costs $516, and liability is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs around $3,064. 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 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $810
• Raising to $1,000 deductibles will save around $180 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,410
• Using more expensive low deductibles increases the price to $1,764
• Drivers who are prone to accidents and violations could pay upwards of $3,064
• The cost to insure a 16-year-old driver with full coverage may cost $5,346

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your NX 300.

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

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Best Cheap Lexus NX 300 Insurance

Saving money on insurance for a Lexus NX 300 consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a quick review of the coverage data touched on in the above illustrations.

• It is possible to save as much as $170 per year just by shopping early and online
• Increasing deductibles could save as much as $525 each year
• Teenagers pay higher rates, costing up to $446 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,650 more each year for car insurance