Lexus NX 300 Insurance Rates

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

Average premium for full coverage: $1,410

Premium estimates for type of coverage:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different NX 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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 discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,410
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,764
• Drivers who are prone to accidents and violations could pay at least $3,064
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,346 a year

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

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

Where you choose to live makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $540 annually, while increasing your policy's liability limits will increase prices. Going 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 could be paying at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a recap of the material that was covered in the charts and tables above.

• Insureds who may need more liability coverage will pay an extra $500 each year to go from 30/60 bodily injury limits to 250/500 limits
• Teen drivers pay higher prices, as much as $446 per month for full coverage
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,650 more every year to insure their NX 300
• Increasing policy deductibles can save around $525 each year