Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,410 annually for full coverage insurance. Comprehensive costs approximately $280 a year, collision insurance costs $516, and liability insurance costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $3,064. Teen drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay $1,230 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,410
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,764
• High risk drivers with multiple violations and an at-fault accident could pay around $3,064
• The cost with full coverage for a teen driver can cost $5,346 a year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark 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 anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. 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 North Carolina, Wisconsin, and Vermont, or as much as $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Affordable Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief review of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $170 per year just by quoting early and online
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,650 more per year for NX 300 insurance
• Increasing deductibles could save up to $525 each year
• Teens have the highest car insurance rates, costing up to $446 per month if full coverage is included