Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs an estimated $280 a year, collision insurance costs $516, and liability costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $3,064 or more. 16-year-old 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:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.

These examples illustrate why it is important to compare prices for a targeted area, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save approximately $1,230 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,410
• Buying low $100 deductibles for physical damage coverage will cost an additional $354 every year
• Drivers with multiple tickets or accidents could pay up to $3,064
• The cost that insures a teen driver can cost as much as $5,346 or more

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record 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 can expect to pay at least $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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300 Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief review of the primary concepts that were illustrated above.

• It is possible to save approximately $170 per year just by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,650 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $525 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $446 per month if full coverage is included