Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive insurance costs approximately $280 each year, collision insurance costs $516, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

The chart below illustrates average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Using higher $1,000 deductibles will save $180 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Using low deductibles for physical damage coverage costs an additional $354 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,064
• The cost with full coverage for a teenage driver can cost $5,346 or more

View Chart as Image

Auto insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Affordable Lexus NX 300 Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief review of the material that was covered in the charts and tables above.

• Consumers who purchase higher liability limits will pay an extra $500 annually to increase from a minimum limit to higher 250/500 limits
• Teens have the highest car insurance rates, costing up to $446 per month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year for NX 300 insurance
• Increasing deductibles could save up to $525 each year