Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage 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:

Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below shows average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,410
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $354 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,064
• The cost to insure a teen driver with full coverage may cost $5,346 a year

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Insurance rates for a Lexus NX 300 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your NX 300.

Using high physical damage deductibles could save up to $540 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a quick review of the material that was illustrated above.

• Drivers who require increased levels of liability coverage will pay an extra $500 each year to go from a minimum limit to a 250/500 level
• Drivers age 20 and younger pay higher rates, costing as high as $446 per month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation pay an average of $1,650 more each year to buy Lexus NX 300 insurance
• Increasing deductibles could save as much as $525 each year