Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,450 a year including full coverage. Comprehensive insurance costs around $292 each year, collision insurance costs $548, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $3,152 or more. 16-year-old drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates for individual coverage:

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 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. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and risk profile, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $830
• Using higher $1,000 deductibles will save about $190 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,450
• Buying low deductibles for physical damage coverage will cost an extra $372 every year
• Drivers with multiple tickets or accidents could pay at least $3,152
• The price for full coverage for a teen driver can be $5,468 or more

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model of your NX 300, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

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 $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,070 on average in Michigan, New York, and Louisiana.

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Opting for high physical damage deductibles could cut prices by as much as $570 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 131% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300 Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a summary of the primary concepts that were illustrated above.

• You may be able to save up to $180 per year just by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations pay on average $1,700 more every year for auto insurance
• Increasing physical damage deductibles can save around $550 each year
• Teenage drivers are expensive to insure, possibly costing $456 a month if they have full coverage