Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $516, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,064 or more. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $810
• Using higher $1,000 deductibles will save $180 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Using pricier low deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,064
• The price for full coverage for a 16-year-old driver for full coverage can cost $5,346 or more

View Chart as Image

Car insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,910 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Lexus NX 300 insurance for high-risk drivers can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on insurance for a Lexus NX 300 requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief review of the concepts that were touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,650 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, costing up to $446 a month if full coverage is included
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date