Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Details

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $810
• Raising to $1,000 deductibles will save $1,230 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Buying low $100 deductibles will increase the cost to $1,764
• Higher-risk drivers with multiple tickets or accidents could pay around $3,064 or more
• The cost for full coverage for a teen driver can cost $5,346

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

How to Find Affordable Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following is a brief review of the coverage data covered in the above illustrations.

• You may be able to save around $170 per year simply by quoting early and online
• Increasing deductibles can save around $525 each year
• Teens are the costliest to insure, as much as $446 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year for NX 300 insurance