Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs approximately $280, collision costs $516, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $3,064. Teens receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than using averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save $180 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,410
• Selecting more expensive low deductibles bumps up the cost to $1,764
• Unlucky drivers with serious driving violations could pay around $3,064 or more
• The cost that insures a teenage driver with full coverage can cost $5,346

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 134% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates 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 reduce rates by up to $540 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly different.

How to Find Cheaper Lexus NX 300 Insurance

Saving money on auto insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a condensed summary of the material that was presented in the illustrations above.

• Consumers who purchase increased levels of liability coverage will pay approximately $500 annually to raise from a minimum limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, costing up to $446 per month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be charged and average of $1,650 more per year to buy Lexus NX 300 insurance
• Increasing deductibles can save approximately $525 each year