Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,496 a year with full coverage. Comprehensive costs an estimated $304, collision insurance costs $592, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $3,256. Teen drivers receive the highest rates at up to $5,612 a year.

Average premium for full coverage: $1,496

Rate estimates broken down by individual coverage type:

Prices include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

These examples demonstrate why everyone should compare prices for a targeted area, instead of using price averages.

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

Additional Rate Information

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save approximately $204 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,496
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,892
• Drivers with multiple violations and an at-fault accident could pay up to $3,256
• The cost that insures a teen driver for full coverage can cost as much as $5,612 or more

View Chart as Image

Auto insurance rates for a Lexus NX 300 can also vary considerably based on the model of your NX 300, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,800 to $2,500 in extra premium per year, depending on your age. Lexus NX 300 insurance for high-risk drivers can be as much as 45% to 134% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,600 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $600 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus NX 300 Insurance

Saving money on car insurance requires having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the data illustrated above.

• Policyholders who want increased levels of liability coverage will pay about $490 every year to increase from a minimum limit to the 250/500 level
• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $600 each year
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $468 per month if the policy includes full coverage