Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs approximately $280, collision costs $516, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $3,064. 16-year-old drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save $180 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,764
• Drivers with multiple tickets or accidents could pay around $3,064 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the model of your NX 300, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

How to Find Cheaper Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires avoiding accidents and claims, maintaining good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the data covered above.

• Drivers who purchase increased liability limits will pay around $500 per year to increase from 30/60 bodily injury limits to 250/500 limits
• You may be able to save around $170 per year simply by shopping early and online
• Increasing policy deductibles can save around $525 each year
• Drivers under the age of 20 are expensive to insure, with the cost nearing $446 per month for full coverage