Lexus NX 300 Insurance Rates

Average auto insurance rates for a Lexus NX 300 are $1,496 annually for full coverage. Comprehensive costs approximately $304, collision insurance costs $592, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $3,256. Teen drivers receive the highest rates at up to $5,612 a year.

Average premium for full coverage: $1,496

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different NX 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $850
• Using higher $1,000 deductibles will save $204 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,496
• Choosing more expensive low deductibles for physical damage coverage will cost $1,892
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,256
• The cost with full coverage for a teenage driver with full coverage can cost $5,612 or more

View Chart as Image

Car insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driver profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can be around 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $600 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or as much as $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Lexus NX 300 Insurance

Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The list below is a quick rundown of the ideas that were covered in the above illustrations.

• Teenagers pay the highest auto insurance rates, costing as high as $468 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay on average $1,760 more per year for car insurance
• Increasing deductibles could save up to $600 each year
• Drivers can save around $180 per year just by shopping early and online