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 $1,410 a year with full coverage. Comprehensive costs around $280 each year, collision costs $516, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,064. 16-year-old drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Comprehensive $280
Collision $516
Liability $456

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and NX 300 models.

Price Range Variability

For the average driver, Lexus NX 300 insurance rates go from the low end price of $508 for basic liability insurance to a high rate of $3,064 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,410
High Risk $3,064

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $1,058
Small Cities $1,481
Large Cities $1,904

The examples above demonstrate why all drivers should compare prices for a specific zip code, instead of 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.

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Rate Comparisons

The chart below details estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $810
  • Using higher $1,000 deductibles will save about $180 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,410
  • Buying low deductibles for physical damage coverage bumps up the cost to $1,764
  • Drivers with multiple tickets or accidents could pay at least $3,064 or more
  • Policy cost that insures a teen driver can be $5,346 or more

View Chart as Image

Lexus NX 300 insurance cost comparison chart
Column chart showing full coverage Lexus NX 300 insurance rates range from $810 to $5,346

Insurance rates for a Lexus NX 300 also range considerably based on the trim level and model year, 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 $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,910 on average in Florida, Michigan, and New York.

Lexus NX 300 Insurance Rates by State
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%

View Chart as Image

Lexus NX 300 insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $540 every year, whereas increasing 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 $411 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied.

Lexus NX 300 Insurance Rates by Model Year
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 Cheaper Lexus NX 300 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop at least once a year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a condensed summary of the primary concepts that were touched on above.

  • You may be able to save up to $170 per year simply by quoting online in advance
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,650 more every year to insure their NX 300
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • Teen drivers pay higher rates, as much as $446 each month if full coverage is included

Rates by Driver Age

Lexus NX 300 Insurance 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

Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,764
$250 $1,600
$500 $1,410
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
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

Lexus NX 300 Insurance 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.

SR-22 Surcharge $199

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
Rate after discounts $810

Discounts are estimated and may not be available from every company or in every state.

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