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 with full coverage. Comprehensive insurance costs around $280, collision costs $516, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $3,064 or more. Teens cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Comprehensive $280
Collision $516
Liability $456

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all NX 300 models.

Price Range Variability

Using a 40-year-old driver as an example, Lexus NX 300 insurance rates go from the low end price of $508 for just liability coverage to the much higher price of $3,064 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The examples above demonstrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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.

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Detailed Rate Analysis

The chart below details estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $810
  • Raising to $1,000 deductibles will save about $180 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,410
  • Selecting pricier low deductibles will cost an additional $354 annually
  • Drivers with serious driving violations could pay at least $3,064 or more
  • Policy cost that insures a 16-year-old driver for full coverage can be $5,346

View Chart as Image

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

Car insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Your home state also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.

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 higher comprehensive and collision insurance deductibles can reduce rates by up to $540 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied.

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 Low Cost Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every other policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were raised in the charts and tables above.

  • Teens are the costliest to insure, as much as $446 each month if full coverage is purchased
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,650 more every year for NX 300 insurance
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date

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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