Lexus NX 300 Insurance Rates

U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive insurance costs an estimated $280 a year, collision insurance costs $516, and liability insurance is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,064 or more. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

The ranges above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Details

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save approximately $1,230 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,410
• Selecting low $100 deductibles costs an additional $354 a year
• Higher-risk drivers with serious driving violations could pay up to $3,064
• The price with full coverage for a teen driver can cost as much as $5,346

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Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,910 on average in New York, Michigan, and Florida.

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How to Buy the Right Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the data that was covered in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting early and online
• Drivers who want an increased level of liability coverage will pay approximately $500 every year to raise from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $446 a month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,650 more annually than a safer driver