Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $3,064 or more. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on price 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 additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance costs an additional $354 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,064
• The price with full coverage for a teen driver can be $5,346 a year

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Affordable Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the concepts that were covered in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,650 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, as much as $446 a month if comprehensive and collision insurance is included
• It is possible to save up to $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $525 each year
• It is possible to save up to $170 per year just by quoting online in advance