Lexus NX 300 Insurance Rates

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UPDATED: Jun 7, 2024

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The average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage insurance. Comprehensive insurance costs on average $280, collision insurance costs $516, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,064 or more. Teen drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Comprehensive $280
Collision $516
Liability $456

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different NX 300 trim levels.

Price Range Variability

For a 40-year-old driver, Lexus NX 300 insurance rates range from the low end price of $508 for a discount liability-only rate to a much higher rate of $3,064 for high-risk insurance.

Liability Only $508
Full Coverage $1,410
High Risk $3,064

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

Rural Areas $1,058
Small Cities $1,481
Large Cities $1,904

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location, 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.

Rates by State, City, and Model

The chart below illustrates average Lexus NX 300 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $810
  • Choosing higher $1,000 deductibles can save around $180 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,410
  • Choosing more expensive low deductibles for comp and collision coverage will cost an additional $354 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,064
  • Policy cost that insures a teen driver with full coverage may cost $5,346 each year

View Chart as Image

Lexus NX 300 insurance cost comparison chart
Column chart showing Lexus NX 300 insurance prices range from $810 to $5,346 for full coverage

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.

Lexus NX 300 Insurance Rates by State
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%

View Chart as Image

Lexus NX 300 insurance rates by U.S. city

Choosing high deductibles can save as much as $540 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Lexus NX 300 Insurance Rates by Model Year
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 Find the Best Lexus NX 300 Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Shop around every couple of years by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the material that was illustrated above.

  • Policyholders who require an increased level of liability coverage will pay about $500 annually to raise limits from a 30/60 limit to the 250/500 level
  • Drivers age 16 to 20 pay higher rates, possibly costing $446 each month if comprehensive and collision insurance is included
  • Higher risk drivers who tend to receive serious violations may pay on average $1,650 more each year than a safer driver
  • Increasing comprehensive and collision deductibles can save approximately $525 each year

Rates by Driver Age

Lexus NX 300 Insurance 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

Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,764
$250 $1,600
$500 $1,410
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
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

Lexus NX 300 Insurance 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.

SR-22 Surcharge $199

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
Rate after discounts $810

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

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