Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $3,064 or more. 16-year-old drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using rate averages.

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

More Rate Information

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $810
• Drivers who choose higher $1,000 deductibles will pay $180 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $354 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,064
• The cost for full coverage for a teenage driver with full coverage can cost $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay 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

Opting for high physical damage deductibles could save up to $540 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Lexus NX 300 Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a recap of the concepts that were covered in the above illustrations.

• Drivers that have major violations or accidents pay on average $1,650 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $446 per month for full coverage
• You may be able to save around $170 per year just by shopping early and online
• Increasing deductibles can save around $525 each year
• You may be able to save around $170 per year just by shopping early and online