Lexus NX 300 Insurance Rates

The average insurance rates for a Lexus NX 300 are $1,450 a year for full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $548, and liability insurance is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs $3,152 or more. Teens cost the most to insure at up to $5,468 a year.

Average premium for full coverage: $1,450

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and NX 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $830
• Raising to $1,000 deductibles will save around $1,260 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,450
• Selecting low $100 deductibles will cost an extra $372 a year
• Higher-risk drivers with serious driving violations could pay upwards of $3,152
• Policy cost for full coverage for a teen driver may cost $5,468

View Chart as Image

Car insurance rates for a Lexus NX 300 also range considerably based on your risk profile, the trim level of your NX 300, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Your home state also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300 Insurance

Finding cheaper rates on Lexus NX 300 insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a brief recap of the data that was illustrated above.

• Drivers can save as much as $180 per year just by quoting early and online
• Drivers who require increased levels of liability coverage will pay approximately $500 each year to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $456 each month if full coverage is included
• High-risk drivers who tend to receive serious violations will pay on average $1,700 more each year to buy Lexus NX 300 insurance