Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $516, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $3,064. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above show why all drivers should compare rates using their specific location, instead of using rate averages.

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 and risk scenarios.

• The best full coverage rate is $810
• Drivers who choose higher $1,000 deductibles will pay $180 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,410
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• Higher-risk drivers with multiple tickets or accidents could pay around $3,064
• The price that insures a teen driver can cost $5,346 a year

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark 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 Iowa, Maine, and Idaho, or at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief review of the car insurance concepts presented in the illustrations above.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year to insure their NX 300
• Drivers can save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Policyholders who purchase more liability coverage will pay around $500 each year to go from a low limit to the 250/500 level