Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage. Comprehensive costs on average $280 a 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 around $3,064. Teens 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 include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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 cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save around $1,230 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,410
• Selecting low $100 deductibles for physical damage coverage will cost $1,764
• Higher-risk drivers with serious driving violations could pay upwards of $3,064
• The cost with full coverage for a teenage driver may 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 driver profile, and policy deductibles and limits.

Older 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 upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, while buying higher liability limits will cost you more. Going 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 $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Lexus NX 300 Insurance

Saving money on auto insurance requires being a low-risk driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a quick rundown of the concepts that were illustrated above.

• Drivers with reckless driving or DUI convictions may be required to pay an average of $1,650 more each year to insure their NX 300
• Teen drivers are charged the highest rates, costing as high as $446 per month if full coverage is included
• Drivers can save as much as $170 per year just by quoting early and online
• Increasing deductibles could save up to $525 each year
• Drivers can save as much as $170 per year just by quoting early and online