Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs around $280 a year, collision insurance costs $516, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage 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 for individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below shows average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $1,230 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,410
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,764
• Drivers with multiple violations and an at-fault accident could pay at least $3,064
• The cost for full coverage for a 16-year-old driver can be $5,346 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $540 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 134% more than average. View High Risk Driver Rates

How to Find the Best Cheap Lexus NX 300 Insurance

Saving money on insurance for a Lexus NX 300 not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The items below are a quick review of the coverage data touched on in the above illustrations.

• Drivers can save up to $170 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Teen drivers are the costliest to insure, costing as high as $446 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,650 more every year to insure their NX 300