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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Estimated insurance prices for a Lexus NX 300 are $1,410 every 12 months including full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $516, and liability coverage is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $3,064 or more. 16-year-old drivers pay the most at up to $5,346 a year.
Average premium for full coverage: $1,410
Premium estimates for type of coverage:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and NX 300 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lexus NX 300 range from the cheapest price of $508 for a discount liability-only rate to a high of $3,064 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using rate 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 breaks down average Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $810
- Raising to $1,000 deductibles will save about $1,230 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,410
- Buying low $100 deductibles costs an extra $354 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,064
- An auto insurance policy to insure a teenage driver can be $5,346
Auto insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $540 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
| 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 Shop for Low Cost Lexus NX 300 Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a review of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, with the cost nearing $446 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,650 more every year to insure their NX 300
- Increasing policy deductibles could save as much as $525 each year
- You may be able to save up to $170 per year just by quoting early and online
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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