Lexus NX 300 Insurance Rates

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

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The ranges above show why it is important to compare rates quotes for a targeted area, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $810
• Raising to $1,000 deductibles will save approximately $1,230 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,410
• Choosing low $100 deductibles bumps up the cost to $1,764
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,064
• The price that insures 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 the trim level of your NX 300, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

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

• Drivers can save approximately $170 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $446 a month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,650 more annually to buy Lexus NX 300 insurance