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 insurance costs $516, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs $3,064 or more. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. 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 large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why all drivers should compare rates quotes for a specific zip code, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate 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
• Using low deductibles will cost an additional $354 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,064
• The price that insures a teenage 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 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect 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 be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 a 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 per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300 Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare prices at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $170 per year just by quoting online in advance
• Drivers that have major violations or accidents may have to pay on average $1,650 more every year to insure their NX 300
• Increasing physical damage deductibles can save approximately $525 each year
• Teen drivers pay higher prices, possibly costing $446 a month if full coverage is included