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2018 Lexus NX 300 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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Average insurance rates for a 2018 Lexus NX 300 are $1,546 a year for full coverage. Comprehensive insurance costs on average $332 each year, collision costs $640, and liability costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing $3,360 or more. Teen drivers receive the highest rates at $5,718 a year or more.

Annual premium for full coverage: $1,546

Rate estimates for 2018 Lexus NX 300 Insurance

Comprehensive $332
Collision $640
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 Lexus NX 300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $474 for basic liability insurance to a high rate of $3,360 for high-risk insurance.

Liability Only $474
Full Coverage $1,546
High Risk $3,360

View Chart as Image

2018 Lexus NX 300 insurance rates compared
Column chart showing 2018 Lexus NX 300 insurance prices range from $877 to $5,718 for full coverage

These differences show why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2018 Lexus NX 300 Insurance

Searching Companies

Searching for cheaper car insurance rates for your Lexus NX 300? No car owner likes paying for car insurance, especially when they are aware that they are paying too much. Since consumers have many car insurance companies to choose from, it’s nearly impossible to locate the lowest cost insurance company.

This information will help educate you on how car insurance quotes work. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to know the best way to shop for car insurance over the internet.

Use discounts on insurance

Some insurers don’t always list their entire list of discounts in an easy-to-find place, so the list below details some of the more common and the harder-to-find credits available to bring down your rates.

  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less for NX 300 coverage as compared to drivers with claims.
  • Data Collection Discounts – People who choose to allow their insurance company to monitor their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison to policyholders that have many claims.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
  • Active Military Service – Being deployed with a military unit may lower your rates slightly.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

To find insurance companies that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • How high should deductibles be on a 2018 Lexus NX 300?
  • When should I buy a commercial auto policy?
  • Is pleasure use cheaper than using my 2018 Lexus NX 300 to commute?
  • When do I need to add a new car to my policy?
  • Who is covered by my policy?
  • Why am I required to buy liability insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance policy coverages for a 2018 Lexus NX 300

Knowing the specifics of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.

Collision coverages – This covers damage to your NX 300 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability – This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, repair costs for stationary objects, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for pain medications, chiropractic care, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, a broken windshield, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

One last thing about your coverage

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy enough coverage at the best possible price, but do not skimp to save money.

We’ve covered a lot of tips how to save on 2018 Lexus NX 300 insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheaper insurance coverage. You may even find the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

To learn more, take a look at the articles below:

Use our FREE quote tool to compare insurance rates now!

Rates by U.S. City

2018 Lexus NX 300 Insurance Rates by City
City Premium
New York City, NY $2,445
Los Angeles, CA $2,643
Philadelphia, PA $2,066
Jacksonville, FL $2,246
Phoenix, AZ $1,798
Chicago, IL $2,074
Houston, TX $2,423
Seattle, WA $1,507
Columbus, OH $1,295
Indianapolis, IN $1,315

Rates by Driver Age

2018 Lexus NX 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,718
20 $3,584
30 $1,620
40 $1,546
50 $1,412
60 $1,384

Full coverage, $500 deductibles

Rates by Deductible

2018 Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,976
$250 $1,778
$500 $1,546
$1,000 $1,324

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,546
50/100 $1,629
100/300 $1,733
250/500 $2,004
100 CSL $1,671
300 CSL $1,900
500 CSL $2,066

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Lexus NX 300 Insurance Rates for High Risk Drivers
Age Premium
16 $8,182
20 $5,710
30 $3,440
40 $3,360
50 $3,206
60 $3,178

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $81
Homeowner $22
5-yr Accident Free $118
5-yr Claim Free $101
Paid in Full/EFT $74
Advance Quote $79
Online Quote $111
Total Discounts $669
Rate after discounts $877

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2018 Lexus NX 300 Insurance Rates by State
State Premium
Alabama $1,398
Alaska $1,186
Arizona $1,284
Arkansas $1,546
California $1,762
Colorado $1,478
Connecticut $1,592
Delaware $1,750
Florida $1,936
Georgia $1,428
Hawaii $1,110
Idaho $1,048
Illinois $1,152
Indiana $1,164
Iowa $1,044
Kansas $1,472
Kentucky $2,110
Louisiana $2,288
Maine $954
Maryland $1,276
Massachusetts $1,238
Michigan $2,686
Minnesota $1,294
Mississippi $1,852
Missouri $1,374
Montana $1,664
Nebraska $1,220
Nevada $1,852
New Hampshire $1,114
New Jersey $1,728
New Mexico $1,368
New York $1,630
North Carolina $892
North Dakota $1,266
Ohio $1,070
Oklahoma $1,588
Oregon $1,416
Pennsylvania $1,476
Rhode Island $2,062
South Carolina $1,402
South Dakota $1,306
Tennessee $1,356
Texas $1,864
Utah $1,146
Vermont $1,060
Virginia $928
Washington $1,196
West Virginia $1,416
Wisconsin $1,070
Wyoming $1,378

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