Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs on average $280 each year, collision insurance costs $516, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,064. 16-year-old drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

These examples show why all drivers should compare prices based on a specific location 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 shows average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save around $180 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,410
• Buying low deductibles for physical damage coverage will increase the cost to $1,764
• Drivers with multiple tickets or accidents could pay upwards of $3,064
• The cost for full coverage for a teen driver may cost $5,346 or more

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the trim level of your NX 300, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Below you'll find a quick review of the material that was touched on above.

• Drivers who require more liability protection will pay around $500 each year to increase from a minimum limit to 250/500 limits
• Youthful drivers are expensive to insure, costing as high as $446 per month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation will pay on average $1,650 more each year than a low-risk driver
• Increasing deductibles can save around $525 each year