Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs around $280 a year, 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. 16-year-old drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,410

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code and risk profile, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $810
• Using higher $1,000 deductibles will save about $1,230 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,410
• Buying low $100 deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,064
• The price for full coverage for a teenage driver can be $5,346 or more

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

Older drivers with a good driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles could cut prices by as much as $540 a year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Lexus NX 300 Insurance

Getting lower rates on auto insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a condensed summary of the data that was covered above.

• Drivers can save up to $170 per year just by quoting early and online
• Consumers who may need additional liability coverage will pay around $500 each year to increase from a low limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $446 a month if they have full coverage
• Drivers with multiple at-fault accidents may be required to pay an average of $1,650 more every year than a driver with a clean driving record