Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,496 a year with full coverage. Comprehensive costs an estimated $304 each year, collision insurance costs $592, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $3,256. 16-year-old drivers cost the most to insure at up to $5,612 a year.

Average premium for full coverage: $1,496

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below details average Lexus NX 300 insurance rates for other coverage scenarios.

• The best full coverage rate is $850
• Drivers who choose higher $1,000 deductibles will pay approximately $204 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,496
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,892
• Drivers with multiple tickets or accidents could pay up to $3,256
• Policy cost that insures a 16-year-old driver can cost as much as $5,612 a year

View Chart as Image

Insurance rates for a Lexus NX 300 also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,600 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or at least $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop every year by requesting rates from direct companies, and also from insurance agencies where you live.

The items below are a review of the coverage data covered in the charts and tables above.

• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teen drivers are charged the highest rates, as much as $468 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,760 more annually to insure their NX 300