Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive insurance costs an estimated $280 a 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 $3,064 or more. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The best discount rate is $810
• Using higher $1,000 deductibles will save approximately $1,230 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,410
• Using low $100 deductibles for physical damage coverage will cost an additional $354 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,064
• An auto insurance policy that insures a 16-year-old driver can cost as much as $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the trim level of your NX 300, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

Where you choose to live 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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 requires avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct companies, and also from insurance agencies where you live.

The list below is a brief summary of the information presented in the illustrations above.

• You may be able to save approximately $170 per year just by quoting early and online
• Teenagers are expensive to insure, possibly costing $446 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $525 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,650 more annually for car insurance
• Insureds who want higher liability limits will pay an extra $500 every year to increase from 30/60 bodily injury limits to the 250/500 level