Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $516, and liability is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs around $3,064. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Raising to $1,000 deductibles will save approximately $180 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,410
• Using low deductibles increases the price to $1,764
• At-risk drivers who are prone to accidents and violations could pay up to $3,064
• The price to insure a teen driver can cost as much as $5,346

View Chart as Image

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

Using high physical damage deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Lexus NX 300 Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a condensed summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,650 more annually than a low-risk driver
• You may be able to save approximately $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $525 each year
• Policyholders who want more liability protection will pay an extra $500 per year to raise from a low limit to a 250/500 level