Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive costs approximately $280 a year, collision costs $516, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,064. Teenage drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay $1,230 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,764
• High-risk insureds who are prone to accidents and violations could pay around $3,064 or more
• The price for full coverage for a teenage driver can cost $5,346 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

The state you live in 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 be forced to pay as much as $1,910 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

How to Find Affordable Lexus NX 300 Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief review of the data that was covered above.

• It is possible to save around $170 per year simply by quoting early and online
• Consumers who purchase higher liability limits will pay an extra $500 annually to go from a low limit to 250/500 limits
• Teens pay the highest auto insurance prices, as much as $446 a month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,650 more per year for NX 300 insurance