Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $516, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs around $3,064. 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:

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

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

The chart below details average 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 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,410
• Buying low deductibles for physical damage coverage increases the price to $1,764
• Drivers with multiple tickets or accidents could pay around $3,064
• The price to insure a teen driver can cost $5,346 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will push prices upward. Moving 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 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates

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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Cheaper Lexus NX 300 Insurance

Getting lower rates on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the ideas that were touched on in the above illustrations.

• Youthful drivers are expensive to insure, costing up to $446 a month if they have full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,650 more per year than a low-risk driver
• Increasing physical damage deductibles could save as much as $525 each year
• You may be able to save around $170 per year just by quoting online in advance