Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,410 every 12 months with full coverage. Comprehensive costs on average $280 each year, collision costs $516, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $3,064. Teenage drivers receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. 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. Rural areas tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below details estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay around $180 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,410
• Using low deductibles for comprehensive and collision insurance increases the price to $1,764
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,064 or more
• The cost to insure a teenage driver may cost $5,346 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $540 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $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 a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different.

How to Shop for Low Cost Lexus NX 300 Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $170 per year simply by quoting online in advance
• Drivers who have several accidents or serious violations may pay on average $1,650 more each year than a driver with a clean driving record
• Increasing deductibles could save as much as $525 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $446 per month if the policy includes full coverage