Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all NX 300 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

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

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay 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 could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

How to Buy Low Cost Lexus NX 300 Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a review of the concepts that were touched on above.

• Drivers who have several accidents or serious violations pay on average $1,650 more per year to insure a Lexus NX 300
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $446 a month if full coverage is included
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $525 each year
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date