Lexus NX 300 Insurance Rates

Average insurance prices for a Lexus NX 300 are $1,496 every 12 months including full coverage. Comprehensive insurance costs around $304, collision insurance costs $592, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $3,256 or more. Teen drivers receive the highest rates at up to $5,612 a year.

Average premium for full coverage: $1,496

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all NX 300 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.

These examples highlight why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using price averages.

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

Rate Comparisons

The chart below breaks down average Lexus NX 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $850
• Raising to $1,000 deductibles will save about $204 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,496
• Choosing pricier low deductibles costs an extra $396 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,256
• The cost to insure a teen driver for full coverage can be $5,612

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Insurance rates for a Lexus NX 300 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 extra per year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost as much as 45% to 134% more than average. View High Risk Driver Rates

Where you live also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,130 on average in Michigan, New York, and Louisiana.

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How to Shop for Cheaper Lexus NX 300 Insurance

Saving money on car insurance consists of being a good driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the material that was touched on in this article.

• Policyholders who may need an increased level of liability coverage will pay about $490 per year to raise from a minimum limit to a 250/500 level
• Drivers age 16 to 20 pay higher rates, as much as $468 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,760 more every year than a safer driver
• Increasing deductibles could save as much as $600 each year