Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280 a year, collision insurance costs $516, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,064 or more. 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:

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save around $1,230 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,410
• Buying low $100 deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,064
• The price for full coverage for a 16-year-old driver may cost $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a summary of the coverage data presented in the illustrations above.

• It is possible to save as much as $170 per year just by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 20 and younger pay higher prices, as much as $446 a month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,650 more each year to buy Lexus NX 300 insurance