Lexus NX 300 Insurance Rates

U.S. average insurance rates for a Lexus NX 300 are $1,496 a year including full coverage. Comprehensive insurance costs approximately $304 a year, collision costs $592, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $3,256 or more. Teens pay the highest rates at $5,612 a year or more.

Average premium for full coverage: $1,496

Price estimates by individual coverage:

Rates are based on $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $850
• Drivers who choose higher $1,000 deductibles will pay $1,292 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,496
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $396 a year
• High risk drivers with serious driving violations could pay around $3,256 or more
• The price for full coverage for a teen driver can cost $5,612 a year

View Chart as Image

Auto insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the model of your NX 300, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,600 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,130 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different from one company to the next.

How to Find the Best Cheap Lexus NX 300 Insurance

Getting lower rates on Lexus NX 300 insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a quick review of the data covered in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $490 per year to go from a low limit to 250/500 limits
• You may be able to save around $180 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Teens have the highest car insurance prices, possibly costing $468 a month if they have full coverage