Lexus NX 300 Insurance Rates

Average insurance rates for a Lexus NX 300 are $1,410 a year with full coverage. Comprehensive costs around $280, collision costs $516, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $3,064. Teens receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,410

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

These examples demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,410
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,764
• High risk drivers with serious driving violations could pay at least $3,064 or more
• The cost for full coverage for a teen driver for full coverage can be $5,346 a year

View Chart as Image

Insurance rates for a Lexus NX 300 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

How to Find the Cheapest Lexus NX 300 Insurance

Saving money on Lexus NX 300 insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a recap of the information covered in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $446 per month for full coverage
• Increasing deductibles can save around $525 each year
• High-risk drivers that have major violations or accidents pay an average of $1,650 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay approximately $500 every year to go from a minimum limit to 250/500 limits