Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $516, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $3,064 or more. 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code, rather than using price averages.

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

Additional Rate Details

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 $180 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,410
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $354 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,064
• The cost that insures a teenage 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 the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records 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 rates. 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 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Lexus NX 300 Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Shop around every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

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

• Drivers can save up to $170 per year just by quoting online in advance
• Drivers under the age of 20 are the costliest to insure, costing as high as $446 per month if full coverage is purchased
• Increasing deductibles can save approximately $525 each year
• Drivers who tend to receive serious violations pay on average $1,650 more every year to insure a Lexus NX 300
• Consumers who may need increased liability limits will pay about $500 each year to go from a minimum limit to the 250/500 level