Lexus NX 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 7, 2024
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U.S. average auto insurance rates for a Lexus NX 300 are $1,410 annually including full coverage. Comprehensive costs on average $280 each year, collision costs $516, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,064. Teen drivers pay the highest rates at $5,346 a year or more.
Average premium for full coverage: $1,410
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and NX 300 models.
Price Range from Low to High
For a driver around age 40, Lexus NX 300 insurance prices go from as cheap as $508 for minimum levels of liability insurance to a high rate of $3,064 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $810
- Raising to $1,000 deductibles will save around $180 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,410
- Choosing low deductibles will cost $1,764
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,064 or more
- The price with full coverage for a teen driver may cost $5,346
Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $540 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,278 | -$132 | -9.4% |
| Alaska | $1,082 | -$328 | -23.3% |
| Arizona | $1,170 | -$240 | -17.0% |
| Arkansas | $1,410 | -$0 | 0.0% |
| California | $1,610 | $200 | 14.2% |
| Colorado | $1,350 | -$60 | -4.3% |
| Connecticut | $1,452 | $42 | 3.0% |
| Delaware | $1,596 | $186 | 13.2% |
| Florida | $1,766 | $356 | 25.2% |
| Georgia | $1,302 | -$108 | -7.7% |
| Hawaii | $1,016 | -$394 | -27.9% |
| Idaho | $954 | -$456 | -32.3% |
| Illinois | $1,052 | -$358 | -25.4% |
| Indiana | $1,064 | -$346 | -24.5% |
| Iowa | $954 | -$456 | -32.3% |
| Kansas | $1,340 | -$70 | -5.0% |
| Kentucky | $1,926 | $516 | 36.6% |
| Louisiana | $2,088 | $678 | 48.1% |
| Maine | $870 | -$540 | -38.3% |
| Maryland | $1,164 | -$246 | -17.4% |
| Massachusetts | $1,130 | -$280 | -19.9% |
| Michigan | $2,452 | $1,042 | 73.9% |
| Minnesota | $1,180 | -$230 | -16.3% |
| Mississippi | $1,692 | $282 | 20.0% |
| Missouri | $1,250 | -$160 | -11.3% |
| Montana | $1,518 | $108 | 7.7% |
| Nebraska | $1,112 | -$298 | -21.1% |
| Nevada | $1,692 | $282 | 20.0% |
| New Hampshire | $1,016 | -$394 | -27.9% |
| New Jersey | $1,576 | $166 | 11.8% |
| New Mexico | $1,250 | -$160 | -11.3% |
| New York | $1,486 | $76 | 5.4% |
| North Carolina | $814 | -$596 | -42.3% |
| North Dakota | $1,156 | -$254 | -18.0% |
| Ohio | $974 | -$436 | -30.9% |
| Oklahoma | $1,450 | $40 | 2.8% |
| Oregon | $1,292 | -$118 | -8.4% |
| Pennsylvania | $1,346 | -$64 | -4.5% |
| Rhode Island | $1,884 | $474 | 33.6% |
| South Carolina | $1,278 | -$132 | -9.4% |
| South Dakota | $1,190 | -$220 | -15.6% |
| Tennessee | $1,236 | -$174 | -12.3% |
| Texas | $1,700 | $290 | 20.6% |
| Utah | $1,046 | -$364 | -25.8% |
| Vermont | $968 | -$442 | -31.3% |
| Virginia | $846 | -$564 | -40.0% |
| Washington | $1,092 | -$318 | -22.6% |
| West Virginia | $1,292 | -$118 | -8.4% |
| Wisconsin | $978 | -$432 | -30.6% |
| Wyoming | $1,258 | -$152 | -10.8% |
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300 | $304 | $592 | $442 | $1,496 |
| 2019 Lexus NX 300 | $280 | $516 | $456 | $1,410 |
| 2018 Lexus NX 300 | $268 | $464 | $460 | $1,350 |
Rates are averaged for all Lexus NX 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Lexus NX 300 Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief review of the data covered above.
- Policyholders who require higher liability limits will pay about $500 per year to raise from a low limit to higher 250/500 limits
- You may be able to save as much as $170 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $525 each year
- Teenagers are charged the highest prices, possibly costing $446 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,266 |
| 30 | $1,466 |
| 40 | $1,410 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,764 |
| $250 | $1,600 |
| $500 | $1,410 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,410 |
| 50/100 | $1,501 |
| 100/300 | $1,615 |
| 250/500 | $1,912 |
| 100 CSL | $1,547 |
| 300 CSL | $1,798 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,624 |
| 20 | $5,208 |
| 30 | $3,124 |
| 40 | $3,064 |
| 50 | $2,928 |
| 60 | $2,902 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $63 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
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