Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280 each year, collision insurance costs $516, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs $3,064 or more. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $354 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,064
• The price for full coverage for a teen driver may cost $5,346 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $540 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a recap of the coverage data presented in the illustrations above.

• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Teenagers pay the highest prices, as much as $446 a month for full coverage
• Higher risk drivers that have major violations or accidents pay an average of $1,650 more each year for car insurance