Lexus NX 300 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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Estimated auto insurance rates for a Lexus NX 300 are $1,410 annually with full coverage. Comprehensive costs on average $280, collision costs $516, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,064. Teen drivers pay the most at $5,346 a year or more.
Average premium for full coverage: $1,410
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different NX 300 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus NX 300 go from as cheap as $508 for the bare minimum liability coverage to a much higher rate of $3,064 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than 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.
Additional Rate Information
The chart below details estimated 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 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,410
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,764
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,064 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage may cost $5,346 each year
Insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driving record, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $540 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,910 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.
| 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 Buy Cheap Lexus NX 300 Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, having a good credit history, being claim-free, and bundling your home and auto policies. Invest time comparing rates once a year by quoting rates from direct companies, and also from local independent and exclusive agents.
The points below are a brief summary of the data that was covered in the charts and tables above.
- You may be able to save as much as $170 per year simply by shopping early and online
- Consumers who require increased liability limits will pay about $500 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 pay the highest prices, possibly costing $446 per month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations pay an average of $1,650 more each year to insure a Lexus NX 300
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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