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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U.S. average insurance rates for a Lexus NX 300 are $1,410 a year for full coverage. Comprehensive insurance costs around $280 a year, collision costs $516, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $3,064 or more. Teen drivers pay the highest rates at $5,346 a year or more.
Average premium for full coverage: $1,410
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and NX 300 trim levels.
Price Range from Low to High
For the average driver, Lexus NX 300 insurance prices go from the low end price of $508 for your basic liability-only policy to a high of $3,064 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
The ranges above show why it is important to compare rates quotes for a specific zip code, rather than relying on 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.
More Rate Information
The chart below shows estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $810
- Raising to $1,000 deductibles will save about $1,230 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,410
- Choosing low $100 deductibles will cost an additional $354 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,064 or more
- The price that insures a teen driver can be $5,346
Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level of your NX 300, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age
The state you live in also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, 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% |
Choosing high deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.
| 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 Affordable Lexus NX 300 Insurance
Getting lower rates on Lexus NX 300 insurance consists of being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least every other year by requesting rates from direct carriers, and also from several local insurance agents.
The following list is a brief review of the car insurance concepts touched on above.
- High-risk drivers with DUI or reckless driving convictions pay on average $1,650 more every year than a safer driver
- Drivers can save up to $170 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $525 each year
- Drivers who may need an increased level of liability coverage will pay about $500 each year to raise from a low limit to the 250/500 level
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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