Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs around $280, collision insurance costs $516, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,064. Teens 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:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,410
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,764
• Drivers with serious driving violations could pay at least $3,064
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,346 a year

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state 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 have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the data touched on above.

• Insureds who may need an increased level of liability coverage will pay approximately $500 each year to go from a 30/60 limit to higher 250/500 limits
• Drivers can save up to $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $446 each month if comprehensive and collision insurance is included