Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs an estimated $280, collision insurance costs $516, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,064. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying 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 other coverage scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save approximately $180 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,410
• Selecting more expensive low deductibles will cost $1,764
• Higher-risk drivers with serious driving violations could pay up to $3,064
• The price with full coverage for a teen driver with full coverage can cost as much as $5,346

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Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

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How to Buy Cheap Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the data that was covered in the charts and tables above.

• Drivers can save approximately $170 per year just by shopping early and online
• Drivers who want increased liability limits will pay approximately $500 each year to raise from a low limit to higher 250/500 limits
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $446 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,650 more annually to insure a Lexus NX 300