Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs approximately $280 a year, collision insurance costs $516, and liability insurance is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs around $3,064. Teens 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 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save $1,230 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,410
• Selecting low $100 deductibles bumps up the cost to $1,764
• Higher-risk drivers with serious driving violations could pay around $3,064
• The cost that insures a teen driver can cost $5,346

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 driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates 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 reduce rates by up to $540 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a brief review of the coverage data raised in the charts and tables above.

• You may be able to save around $170 per year just by quoting early and online
• Increasing deductibles can save approximately $525 each year
• Teen drivers have the highest car insurance rates, as much as $446 per month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,650 more per year to insure their NX 300