Lexus NX 300 Insurance Rates

The average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive costs approximately $280 a year, collision costs $516, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,064. Teen drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay $1,230 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,410
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,764
• High risk drivers with multiple violations and an at-fault accident could pay around $3,064 or more
• Policy cost with full coverage for a teen driver can cost $5,346 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy 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, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates will be varied between companies.

How to Buy the Best Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the data raised in the charts and tables above.

• Drivers who purchase higher liability limits will pay about $500 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenagers have the highest car insurance rates, with premiums being up to $446 each month if full coverage is included