Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location, rather than using rate averages.

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

More Rate Details

The chart below shows average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,410
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,764
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,064
• The price that insures a teenage driver with full coverage may cost $5,346 a year

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay 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 save up to $540 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below is a review of the material that was illustrated above.

• Consumers who require higher levels of liability will pay around $500 each year to go from a low limit to the 250/500 level
• Teenage drivers are charged the highest prices, with premiums as much as $446 a month if the policy includes full coverage
• Drivers who have several accidents or serious violations may pay on average $1,650 more each year for auto insurance
• Increasing physical damage deductibles can save approximately $525 each year