Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples show why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save about $180 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,410
• Choosing low deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,064
• The cost for full coverage for a teenage driver can be $5,346 or more

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the trim level of your NX 300, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

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 as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than average. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Saving money on auto insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following list is a summary of the car insurance concepts covered in the above illustrations.

• Drivers who have multiple accidents or major violations may be required to pay an average of $1,650 more every year than a safer driver
• Drivers can save up to $170 per year just by quoting online in advance
• Increasing deductibles can save around $525 each year
• Consumers who may need an increased level of liability coverage will pay about $500 each year to increase from a minimum limit to 250/500 limits