Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive costs on average $280 each year, collision costs $516, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage 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:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

These examples illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,410
• Selecting low deductibles for comprehensive and collision insurance will cost $1,764
• High risk drivers with serious driving violations could pay upwards of $3,064 or more
• The cost with full coverage for a teen driver may cost $5,346 a year

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

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

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

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different between companies.

How to Buy the Best Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief recap of the coverage data touched on above.

• It is possible to save as much as $170 per year simply by quoting online in advance
• Increasing deductibles could save up to $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $446 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may pay on average $1,650 more each year to insure a Lexus NX 300