Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,064. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates broken down by individual coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Lexus NX 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $810
• Choosing higher $1,000 deductibles can save approximately $180 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,410
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,764
• Unlucky drivers with serious driving violations could pay up to $3,064
• The price that insures a teen driver can cost as much as $5,346 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus NX 300 Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,650 more annually for NX 300 insurance
• You may be able to save approximately $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Policyholders who want higher liability limits will pay approximately $500 per year to raise limits from a low limit to the 250/500 level