Lexus NX 300 Insurance Rates

U.S. average insurance prices for a Lexus NX 300 are $1,450 every 12 months for full coverage. Comprehensive costs approximately $292 a year, collision costs $548, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing around $3,152. Teenage drivers pay the highest rates at $5,468 a year or more.

Average premium for full coverage: $1,450

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to compare rates using their specific location and their own driving history, 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 shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $830
• Drivers who choose higher $1,000 deductibles will pay $1,260 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,450
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,822
• Drivers who are prone to accidents and violations could pay around $3,152 or more
• The price to insure a 16-year-old driver can cost $5,468 a year

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Insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your NX 300.

Using high physical damage deductibles could save up to $570 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

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 $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different.

How to Shop for Cheap Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the primary concepts that were touched on above.

• Drivers can save around $180 per year simply by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,700 more per year for car insurance
• Increasing physical damage deductibles could save as much as $550 each year
• Teenagers are expensive to insure, with premiums as much as $456 a month if they have full coverage