Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs around $280 each year, collision insurance costs $516, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $3,064. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,410
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• Drivers who are prone to accidents and violations could pay at least $3,064
• The price that insures a 16-year-old driver can be $5,346 a year

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least every other year by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a quick review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,650 more every year for auto insurance
• You may be able to save up to $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Insureds who may need higher levels of liability will pay an extra $500 every year to go from a low limit to the 250/500 level