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 on average $280, collision costs $516, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $3,064 or more. Teen drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save around $180 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,410
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $354 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,064 or more
• The price for full coverage for a teen driver with full coverage may cost $5,346 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

How to Find the Best Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The list below is a brief recap of the information covered in the charts and tables above.

• You may be able to save as much as $170 per year simply by shopping early and online
• Teenagers pay higher prices, costing up to $446 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $525 each year
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,650 more each year for car insurance
• Drivers who require higher liability limits will pay about $500 every year to increase from a low limit to 250/500 limits