Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $3,064 or more. Teen 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:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save $180 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,064
• The cost for full coverage for a teenage driver with full coverage can cost $5,346 or more

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the model of your NX 300, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark 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 $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates

How to Find Cheap Lexus NX 300 Insurance

Saving money on auto insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below is a brief summary of the data that was covered in the above illustrations.

• You may be able to save around $170 per year just by shopping early and online
• Consumers who purchase higher levels of liability will pay about $500 per year to increase from a minimum limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $446 per month for full coverage
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,650 more per year for auto insurance