Lexus NX 300 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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The average auto insurance rates for a Lexus NX 300 are $1,450 annually including full coverage. Comprehensive insurance costs around $292 each year, collision insurance costs $548, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $3,152 or more. Teen drivers cost the most to insure at up to $5,468 a year.
Average premium for full coverage: $1,450
Policy rates for type of insurance:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and NX 300 models.
Price Range Variability
For the average driver, Lexus NX 300 insurance rates range from as cheap as $504 for the bare minimum liability coverage to a high rate of $3,152 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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 Information
The chart below breaks down average Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $830
- Choosing higher $1,000 deductibles can save about $190 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,450
- Choosing low deductibles for comp and collision coverage costs an additional $372 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,152
- Policy cost with full coverage for a 16-year-old driver can be $5,468 each year
Car insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $570 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
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 $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,070 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,312 | -$138 | -9.5% |
| Alaska | $1,112 | -$338 | -23.3% |
| Arizona | $1,204 | -$246 | -17.0% |
| Arkansas | $1,450 | -$0 | 0.0% |
| California | $1,652 | $202 | 13.9% |
| Colorado | $1,384 | -$66 | -4.6% |
| Connecticut | $1,492 | $42 | 2.9% |
| Delaware | $1,640 | $190 | 13.1% |
| Florida | $1,814 | $364 | 25.1% |
| Georgia | $1,338 | -$112 | -7.7% |
| Hawaii | $1,042 | -$408 | -28.1% |
| Idaho | $982 | -$468 | -32.3% |
| Illinois | $1,082 | -$368 | -25.4% |
| Indiana | $1,092 | -$358 | -24.7% |
| Iowa | $978 | -$472 | -32.6% |
| Kansas | $1,380 | -$70 | -4.8% |
| Kentucky | $1,978 | $528 | 36.4% |
| Louisiana | $2,146 | $696 | 48.0% |
| Maine | $894 | -$556 | -38.3% |
| Maryland | $1,194 | -$256 | -17.7% |
| Massachusetts | $1,160 | -$290 | -20.0% |
| Michigan | $2,520 | $1,070 | 73.8% |
| Minnesota | $1,214 | -$236 | -16.3% |
| Mississippi | $1,738 | $288 | 19.9% |
| Missouri | $1,286 | -$164 | -11.3% |
| Montana | $1,558 | $108 | 7.4% |
| Nebraska | $1,144 | -$306 | -21.1% |
| Nevada | $1,740 | $290 | 20.0% |
| New Hampshire | $1,046 | -$404 | -27.9% |
| New Jersey | $1,622 | $172 | 11.9% |
| New Mexico | $1,284 | -$166 | -11.4% |
| New York | $1,528 | $78 | 5.4% |
| North Carolina | $836 | -$614 | -42.3% |
| North Dakota | $1,188 | -$262 | -18.1% |
| Ohio | $1,002 | -$448 | -30.9% |
| Oklahoma | $1,490 | $40 | 2.8% |
| Oregon | $1,328 | -$122 | -8.4% |
| Pennsylvania | $1,384 | -$66 | -4.6% |
| Rhode Island | $1,936 | $486 | 33.5% |
| South Carolina | $1,314 | -$136 | -9.4% |
| South Dakota | $1,224 | -$226 | -15.6% |
| Tennessee | $1,270 | -$180 | -12.4% |
| Texas | $1,750 | $300 | 20.7% |
| Utah | $1,074 | -$376 | -25.9% |
| Vermont | $994 | -$456 | -31.4% |
| Virginia | $868 | -$582 | -40.1% |
| Washington | $1,122 | -$328 | -22.6% |
| West Virginia | $1,330 | -$120 | -8.3% |
| Wisconsin | $1,004 | -$446 | -30.8% |
| Wyoming | $1,292 | -$158 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300 | $320 | $612 | $430 | $1,520 |
| 2019 Lexus NX 300 | $292 | $548 | $452 | $1,450 |
| 2018 Lexus NX 300 | $280 | $516 | $456 | $1,410 |
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 the Cheapest Lexus NX 300 Insurance
Finding cheaper rates on insurance for a Lexus NX 300 takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a recap of the ideas that were touched on above.
- Teen drivers are the costliest to insure, with premiums being up to $456 each month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,700 more every year to insure their NX 300
- Increasing comprehensive and collision deductibles could save up to $550 each year
- You may be able to save up to $180 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,468 |
| 20 | $3,362 |
| 30 | $1,508 |
| 40 | $1,450 |
| 50 | $1,326 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,648 |
| $500 | $1,450 |
| $1,000 | $1,260 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,450 |
| 50/100 | $1,540 |
| 100/300 | $1,653 |
| 250/500 | $1,947 |
| 100 CSL | $1,586 |
| 300 CSL | $1,834 |
| 500 CSL | $2,015 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,806 |
| 20 | $5,358 |
| 30 | $3,216 |
| 40 | $3,152 |
| 50 | $3,012 |
| 60 | $2,984 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $620 |
Discounts are estimated and may not be available from every company or in every state.
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