Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive insurance costs around $280 each year, collision costs $516, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,064 or more. Teens pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and NX 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The ranges above highlight why all drivers should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

More Rate Details

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save about $180 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,410
• Selecting low deductibles will cost an additional $354 a year
• Higher-risk drivers with serious driving violations could pay at least $3,064 or more
• The price that insures a teen driver can be $5,346

View Chart as Image

Insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and prices may be quite different.

How to Find Low Cost Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and taking advantage of discounts. Compare rates every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below is a review of the coverage data raised in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Teenage drivers are charged the highest prices, possibly costing $446 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,650 more every year for auto insurance