Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage. Comprehensive costs an estimated $280, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $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 broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

These examples show why everyone should get quotes for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save approximately $180 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,410
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,764
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,064
• The cost to insure a teen driver for full coverage can cost as much as $5,346 each year

View Chart as Image

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

Choosing high deductibles can save as much as $540 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,700 to $2,300 extra per year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges as much as 43% to 134% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheaper Lexus NX 300 Insurance

Saving money on car insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the data covered in the above illustrations.

• Policyholders who want higher liability limits will pay about $500 each year to raise limits from a minimum limit to a 250/500 level
• Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $525 each year
• Teenagers have the highest car insurance rates, costing as high as $446 per month if the policy includes full coverage