Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive costs approximately $280 each year, collision costs $516, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,064. Teenage drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Using higher $1,000 deductibles will save $180 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low deductibles for physical damage coverage will cost $1,764
• Higher-risk drivers who are prone to accidents and violations could pay around $3,064 or more
• The price with full coverage for a teenage driver can cost $5,346 or more

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

How to Buy the Best Lexus NX 300 Insurance

Getting lower rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to shop around at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the data illustrated above.

• Consumers who purchase increased levels of liability coverage will pay an extra $500 per year to increase from a low limit to higher 250/500 limits
• You may be able to save around $170 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $525 each year
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $446 a month if comprehensive and collision insurance is included