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 including full coverage. Comprehensive costs approximately $280, collision costs $516, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $3,064. Teenage drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,410

Policy rates by type of insurance:

Comprehensive $280
Collision $516
Liability $456

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all NX 300 models.

Price Range Variability

For the normal driver, Lexus NX 300 insurance rates go from the low end price of $508 for minimum levels of liability insurance to the much higher price 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

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

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

The examples above highlight why everyone should get quotes using their specific location, instead of making a decision based on average rates.

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.

Additional Rate Details

The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $810
  • Choosing higher $1,000 deductibles can save $180 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,410
  • Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,764
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,064 or more
  • Policy cost that insures a 16-year-old driver for full coverage can cost $5,346 each year

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

Auto insurance rates for a Lexus NX 300 also range considerably based on the model of your NX 300, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles can save as much as $540 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted 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 Affordable Lexus NX 300 Insurance

Finding cheaper rates on insurance for a Lexus NX 300 takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief review of the primary concepts that were presented in the illustrations above.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Drivers considered higher risk with DUI or reckless driving convictions will likely pay on average $1,650 more per year than a safer driver
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $446 each month if the policy includes full coverage

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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