Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs an estimated $280 a year, collision insurance costs $516, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $3,064. 16-year-old drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, rather than relying on rate 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 best full coverage rate is $810
• Using higher $1,000 deductibles will save approximately $1,230 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,410
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,764
• Drivers with multiple tickets or accidents could pay up to $3,064
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,346 or more

View Chart as Image

Auto insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance requires being a good driver, having good credit, being claim-free, and consideration of higher deductibles. Take the time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,650 more annually than a safer driver
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing policy deductibles can save around $525 each year
• Drivers who want an increased level of liability coverage will pay around $500 every year to increase from 30/60 bodily injury limits to 250/500 limits