Lexus NX 300 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 7, 2024
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Estimated insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive costs on average $292, collision costs $548, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing around $3,152. Teenage drivers pay the most at $5,468 a year or more.
Average premium for full coverage: $1,450
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all NX 300 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lexus NX 300 go from the low end price of $504 for basic liability insurance to the much higher price of $3,152 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why everyone should compare rates based on a specific location, instead of using average rates.
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.
Rate Comparisons
The chart below details estimated Lexus NX 300 insurance rates for different risk profiles and scenarios.
- The best discount rate is $830
- Drivers who choose higher $1,000 deductibles will pay around $190 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,450
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,822
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,152 or more
- An auto insurance policy that insures a teen driver for full coverage may cost $5,468 a year
Car insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus NX 300 insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,960 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $570 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so rate quotes will be substantially different.
| 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 Find Cheaper Lexus NX 300 Insurance
Finding better rates on car insurance not only requires being a good driver, but also having a positive credit history, being claim-free, and maximizing policy discounts. Compare prices at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.
The following list is a condensed summary of the data touched on in the above illustrations.
- Policyholders who require an increased level of liability coverage will pay an extra $500 every year to go from 30/60 bodily injury limits to the 250/500 level
- You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $550 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $456 per month if full coverage is purchased
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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