Lexus NX 300 Insurance Rates
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UPDATED: Jun 7, 2024
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Average auto insurance rates for a Lexus NX 300 are $1,450 annually with full coverage. Comprehensive costs around $292 each year, collision costs $548, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $3,152. 16-year-old drivers receive the highest rates at $5,468 a year or more.
Average premium for full coverage: $1,450
Rate estimates for individual coverage type:
Estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and NX 300 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $504 for just liability coverage to a high rate of $3,152 for high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below details estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $830
- Using higher $1,000 deductibles will save about $190 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,450
- Buying low deductibles for physical damage coverage will cost $1,822
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,152 or more
- The cost with full coverage for a teenage driver can be $5,468 or more
Auto insurance rates for a Lexus NX 300 can also vary considerably based on the trim level of your NX 300, your driving record, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $570 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus NX 300 insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.
| 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 Buy Low Cost Lexus NX 300 Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a review of the material that was touched on in this article.
- Consumers who may need higher liability limits will pay around $500 every year to increase from a minimum limit to higher 250/500 limits
- Teens are expensive to insure, with premiums as much as $456 per month if full coverage is included
- Drivers who have several accidents or serious violations may pay on average $1,700 more every year for NX 300 insurance
- Increasing deductibles could save up to $550 each year
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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