Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $3,064 or more. Teens pay the most at up to $5,346 a year.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Lexus NX 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $810
• Using higher $1,000 deductibles will save around $180 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,410
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,064
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $5,346 or more

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,910 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be around 43% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Right Lexus NX 300 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a quick rundown of the material that was covered above.

• Consumers who require higher liability limits will pay approximately $500 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Teenagers pay the highest prices, with premiums being up to $446 per month for full coverage
• Drivers with reckless driving or DUI convictions pay an average of $1,650 more each year for car insurance
• Increasing policy deductibles can save around $525 each year