Lexus NX 300 Insurance Rates

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UPDATED: Jun 7, 2024

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U.S. average insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive costs approximately $292, collision insurance costs $548, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $3,152. Teen drivers pay the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Price estimates by individual coverage:

Comprehensive $292
Collision $548
Liability $452

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different NX 300 trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Lexus NX 300 insurance prices range from as low as $504 for just liability coverage to a much higher rate of $3,152 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,450
High Risk $3,152

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,088
Small Cities $1,523
Large Cities $1,958

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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.

Detailed Rate Analysis

The chart below details average Lexus NX 300 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $830
  • Raising to $1,000 deductibles will save $190 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,450
  • Choosing more expensive low deductibles will increase the cost to $1,822
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $3,152
  • The price for full coverage for a teenage driver with full coverage can cost $5,468

View Chart as Image

Lexus NX 300 insurance cost comparison chart
Column chart showing Lexus NX 300 insurance rates range from $830 to $5,468 for full coverage

Car insurance prices for a Lexus NX 300 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,400 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 $1,050 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,960 on average in New York, Michigan, and Florida.

Lexus NX 300 Insurance Rates by State
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%

View Chart as Image

Lexus NX 300 insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $570 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 131% more than average. View High Risk Driver Rates

Lexus NX 300 Insurance Rates by Model Year
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 Find Cheap Lexus NX 300 Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief summary of the data touched on in the above illustrations.

  • Consumers who purchase additional liability coverage will pay about $500 every year to raise from a low limit to 250/500 limits
  • You may be able to save around $180 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $550 each year
  • 16 to 18-year-old drivers pay the highest auto insurance prices, costing up to $456 a month if full coverage is included

Rates by Driver Age

Lexus NX 300 Insurance 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

Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,822
$250 $1,648
$500 $1,450
$1,000 $1,260

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
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

Lexus NX 300 Insurance 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.

SR-22 Surcharge $205

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
Rate after discounts $830

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

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