Lexus NX 300 Insurance Rates

Estimated insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive costs approximately $280 each year, collision costs $516, and liability insurance is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,064. Teens pay the most at $5,346 a year or more.

Average premium for full coverage: $1,410

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and NX 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $810
• Raising to $1,000 deductibles will save $180 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,410
• Selecting low deductibles bumps up the cost to $1,764
• Higher-risk drivers with serious driving violations could pay around $3,064 or more
• An auto insurance policy that insures a teen driver can cost $5,346

View Chart as Image

Insurance prices for a Lexus NX 300 also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different.

How to Find Cheap Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance consists of having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates every year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The next list is a brief summary of the coverage data illustrated above.

• Drivers can save around $170 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $525 each year
• Drivers age 20 and younger are the costliest to insure, as much as $446 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,650 more per year to buy Lexus NX 300 insurance