Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs around $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 $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 for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save about $180 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,410
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds with serious driving violations could pay at least $3,064
• The price for full coverage for a 16-year-old driver with full coverage can be $5,346 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be from 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief review of the data touched on above.

• Insureds who may need increased liability limits will pay approximately $500 every year to increase from a low limit to 250/500 limits
• You may be able to save up to $170 per year just by shopping early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $446 a month if they have full coverage