Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $810
• Using higher $1,000 deductibles will save $180 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,410
• Using low deductibles for physical damage coverage will cost $1,764
• Drivers who are prone to accidents and violations could pay around $3,064
• The price with full coverage for a teen driver can cost $5,346 or more

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury 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

The state you live in has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,910 on average in New York, Michigan, and Florida.

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How to Buy Affordable Lexus NX 300 Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the coverage data covered above.

• You may be able to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $525 each year
• Teen drivers pay the highest auto insurance prices, costing up to $446 a month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,650 more per year to insure their NX 300