Lexus NX 300 Insurance Rates

U.S. average 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 costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $3,064 or more. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should compare rates based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,410
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $354 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,064
• The price for full coverage for a teen driver for full coverage may cost $5,346 a year

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Auto insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level of your NX 300, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

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Choosing high deductibles could save up to $540 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates

How to Find Cheaper Lexus NX 300 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

Below is a condensed summary of the primary concepts that were illustrated above.

• Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents will pay on average $1,650 more each year for auto insurance
• Increasing physical damage deductibles can save around $525 each year
• Teenage drivers are charged the highest prices, with premiums as much as $446 a month if they have full coverage