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 $1,496 a year with full coverage. Comprehensive insurance costs around $304, collision costs $592, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $3,256 or more. Teens cost the most to insure at $5,612 a year or more.
Average premium for full coverage: $1,496
Policy rates for type of insurance:
Includes $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different NX 300 trim levels.
Price Range Variability
For a driver in their 40's, Lexus NX 300 insurance rates go from the low end price of $496 for the bare minimum liability coverage to a much higher rate of $3,256 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using 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.
Additional Rate Information
The chart below details estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $850
- Raising to $1,000 deductibles will save about $204 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,496
- Selecting more expensive low deductibles will cost an additional $396 every year
- At-risk drivers with serious driving violations could pay at least $3,256 or more
- Policy cost that insures a teen driver with full coverage can be $5,612
Car insurance rates for a Lexus NX 300 also range considerably based on the model year and trim level, 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 $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 134% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,600 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 $1,080 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,020 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,352 | -$144 | -9.6% |
| Alaska | $1,148 | -$348 | -23.3% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,428 | -$68 | -4.5% |
| Connecticut | $1,538 | $42 | 2.8% |
| Delaware | $1,694 | $198 | 13.2% |
| Florida | $1,872 | $376 | 25.1% |
| Georgia | $1,380 | -$116 | -7.8% |
| Hawaii | $1,074 | -$422 | -28.2% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,114 | -$382 | -25.5% |
| Indiana | $1,126 | -$370 | -24.7% |
| Iowa | $1,008 | -$488 | -32.6% |
| Kansas | $1,422 | -$74 | -4.9% |
| Kentucky | $2,040 | $544 | 36.4% |
| Louisiana | $2,216 | $720 | 48.1% |
| Maine | $922 | -$574 | -38.4% |
| Maryland | $1,234 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$300 | -20.1% |
| Michigan | $2,598 | $1,102 | 73.7% |
| Minnesota | $1,252 | -$244 | -16.3% |
| Mississippi | $1,792 | $296 | 19.8% |
| Missouri | $1,328 | -$168 | -11.2% |
| Montana | $1,608 | $112 | 7.5% |
| Nebraska | $1,180 | -$316 | -21.1% |
| Nevada | $1,794 | $298 | 19.9% |
| New Hampshire | $1,076 | -$420 | -28.1% |
| New Jersey | $1,672 | $176 | 11.8% |
| New Mexico | $1,324 | -$172 | -11.5% |
| New York | $1,576 | $80 | 5.3% |
| North Carolina | $860 | -$636 | -42.5% |
| North Dakota | $1,224 | -$272 | -18.2% |
| Ohio | $1,034 | -$462 | -30.9% |
| Oklahoma | $1,536 | $40 | 2.7% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,428 | -$68 | -4.5% |
| Rhode Island | $1,994 | $498 | 33.3% |
| South Carolina | $1,354 | -$142 | -9.5% |
| South Dakota | $1,264 | -$232 | -15.5% |
| Tennessee | $1,312 | -$184 | -12.3% |
| Texas | $1,802 | $306 | 20.5% |
| Utah | $1,108 | -$388 | -25.9% |
| Vermont | $1,024 | -$472 | -31.6% |
| Virginia | $896 | -$600 | -40.1% |
| Washington | $1,156 | -$340 | -22.7% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,036 | -$460 | -30.7% |
| Wyoming | $1,332 | -$164 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 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 compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300 | $332 | $640 | $416 | $1,546 |
| 2019 Lexus NX 300 | $304 | $592 | $442 | $1,496 |
| 2018 Lexus NX 300 | $292 | $548 | $452 | $1,450 |
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 the Cheapest Lexus NX 300 Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a recap of the material that was covered in the charts and tables above.
- Policyholders who may need higher levels of liability will pay approximately $490 every year to raise from a 30/60 limit to the 250/500 level
- Teenage drivers are the costliest to insure, as much as $468 each month if full coverage is purchased
- Higher risk drivers that have major violations or accidents may pay on average $1,760 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $600 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,612 |
| 20 | $3,474 |
| 30 | $1,562 |
| 40 | $1,496 |
| 50 | $1,366 |
| 60 | $1,340 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,892 |
| $250 | $1,708 |
| $500 | $1,496 |
| $1,000 | $1,292 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,584 |
| 100/300 | $1,695 |
| 250/500 | $1,982 |
| 100 CSL | $1,629 |
| 300 CSL | $1,872 |
| 500 CSL | $2,049 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,018 |
| 20 | $5,538 |
| 30 | $3,326 |
| 40 | $3,256 |
| 50 | $3,108 |
| 60 | $3,082 |
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 | $80 |
| Multi-vehicle | $80 |
| Homeowner | $22 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $107 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
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