Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,410
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $354 every year
• Higher-risk drivers with serious driving violations could pay upwards of $3,064
• The price for full coverage for a teen driver with full coverage may cost $5,346 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $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 have to pay at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find Cheap Lexus NX 300 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Below is a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $170 per year just by shopping early and online
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,650 more each year for auto insurance
• Increasing physical damage deductibles can save around $525 each year
• Teenage drivers pay higher prices, costing up to $446 a month including comprehensive and collision insurance