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, collision insurance costs $516, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,064. 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:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save around $180 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,410
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,764
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,064
• The cost that insures a teen driver with full coverage may cost $5,346 or more

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records 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 prices. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 every 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 cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300 Insurance

Saving money on car insurance requires being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and possibly raising deductibles. Shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the concepts that were touched on in the above illustrations.

• Higher risk drivers that have major violations or accidents may pay on average $1,650 more each year than a low-risk driver
• Youthful drivers are expensive to insure, costing as high as $446 per month if full coverage is purchased
• Drivers can save as much as $170 per year just by shopping early and online
• Increasing deductibles can save approximately $525 each year
• Drivers can save as much as $170 per year just by shopping early and online