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 prices for a Lexus NX 300 are $1,410 every 12 months for full coverage insurance. Comprehensive insurance costs around $280 a year, collision costs $516, and liability coverage is estimated at $456. Liability-only coverage costs approximately $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:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and NX 300 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Lexus NX 300 insurance prices go from the cheapest price of $508 for just liability insurance to a high of $3,064 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code and their own driving history, 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.
More Rate Details
The chart below illustrates estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $810
- Choosing higher $1,000 deductibles can save about $1,230 each year
- The average price for the average middle-age driver using $500 deductibles is $1,410
- Choosing low $100 deductibles for comp and collision coverage costs an extra $354 each year
- Drivers with multiple violations and an at-fault accident could pay at least $3,064 or more
- The price to insure a teenage driver can be $5,346 each year
Auto insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $540 a year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 134% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer 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 Shop for the Best Cheap Lexus NX 300 Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a quick review of the information touched on in this article.
- It is possible to save up to $170 per year simply by quoting early and online
- Teenagers are expensive to insure, as much as $446 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers with a DUI or reckless driving violation may pay on average $1,650 more every year for car insurance
- Consumers who may need higher liability limits will pay about $500 annually to raise limits from a low limit to a 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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