Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs an estimated $280 each year, collision insurance costs $516, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,064. Teens 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:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

These examples illustrate why all drivers should get quotes for a targeted area and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,410
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,764
• Drivers with serious driving violations could pay up to $3,064
• The cost for full coverage for a teenage driver 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 your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300 Insurance

Saving money on auto insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a brief recap of the information raised in the charts and tables above.

• It is possible to save approximately $170 per year just by quoting online in advance
• Teen drivers have the highest car insurance rates, costing up to $446 per month if full coverage is included
• Increasing deductibles can save around $525 each year
• Drivers who tend to receive serious violations pay on average $1,650 more annually to insure their NX 300
• Consumers who want more liability coverage will pay approximately $500 annually to raise limits from a minimum limit to 250/500 limits