Lexus NX 300 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus NX 300 are $1,496 a year for full coverage insurance. Comprehensive costs around $304, collision costs $592, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $3,256. Teens pay the highest rates at $5,612 a year or more.
Average premium for full coverage: $1,496
Price estimates for individual coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different NX 300 trim levels.
Price Range from Low to High
For the normal driver, Lexus NX 300 insurance prices go from the low end price of $496 for minimum levels of liability insurance to a much higher rate of $3,256 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than relying on averaged prices.
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 illustrates estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $850
- Choosing higher $1,000 deductibles can save about $204 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,496
- Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,892
- High-risk insureds with serious driving violations could pay at least $3,256 or more
- The price that insures a teen driver with full coverage can be $5,612 each year
Auto insurance prices for a Lexus NX 300 are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,600 a year. View Rates by Age
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 $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,020 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,352 | -$144 | -9.6% |
| Alaska | $1,148 | -$348 | -23.3% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,428 | -$68 | -4.5% |
| Connecticut | $1,538 | $42 | 2.8% |
| Delaware | $1,694 | $198 | 13.2% |
| Florida | $1,872 | $376 | 25.1% |
| Georgia | $1,380 | -$116 | -7.8% |
| Hawaii | $1,074 | -$422 | -28.2% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,114 | -$382 | -25.5% |
| Indiana | $1,126 | -$370 | -24.7% |
| Iowa | $1,008 | -$488 | -32.6% |
| Kansas | $1,422 | -$74 | -4.9% |
| Kentucky | $2,040 | $544 | 36.4% |
| Louisiana | $2,216 | $720 | 48.1% |
| Maine | $922 | -$574 | -38.4% |
| Maryland | $1,234 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$300 | -20.1% |
| Michigan | $2,598 | $1,102 | 73.7% |
| Minnesota | $1,252 | -$244 | -16.3% |
| Mississippi | $1,792 | $296 | 19.8% |
| Missouri | $1,328 | -$168 | -11.2% |
| Montana | $1,608 | $112 | 7.5% |
| Nebraska | $1,180 | -$316 | -21.1% |
| Nevada | $1,794 | $298 | 19.9% |
| New Hampshire | $1,076 | -$420 | -28.1% |
| New Jersey | $1,672 | $176 | 11.8% |
| New Mexico | $1,324 | -$172 | -11.5% |
| New York | $1,576 | $80 | 5.3% |
| North Carolina | $860 | -$636 | -42.5% |
| North Dakota | $1,224 | -$272 | -18.2% |
| Ohio | $1,034 | -$462 | -30.9% |
| Oklahoma | $1,536 | $40 | 2.7% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,428 | -$68 | -4.5% |
| Rhode Island | $1,994 | $498 | 33.3% |
| South Carolina | $1,354 | -$142 | -9.5% |
| South Dakota | $1,264 | -$232 | -15.5% |
| Tennessee | $1,312 | -$184 | -12.3% |
| Texas | $1,802 | $306 | 20.5% |
| Utah | $1,108 | -$388 | -25.9% |
| Vermont | $1,024 | -$472 | -31.6% |
| Virginia | $896 | -$600 | -40.1% |
| Washington | $1,156 | -$340 | -22.7% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,036 | -$460 | -30.7% |
| Wyoming | $1,332 | -$164 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300 | $332 | $640 | $416 | $1,546 |
| 2019 Lexus NX 300 | $304 | $592 | $442 | $1,496 |
| 2018 Lexus NX 300 | $292 | $548 | $452 | $1,450 |
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 the Right Lexus NX 300 Insurance
Getting lower rates on Lexus NX 300 insurance takes not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a quick rundown of the primary concepts that were presented in the illustrations above.
- It is possible to save up to $180 per year simply by shopping early and online
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,760 more every year for NX 300 insurance
- Increasing physical damage deductibles can save approximately $600 each year
- Teens are expensive to insure, as much as $468 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,612 |
| 20 | $3,474 |
| 30 | $1,562 |
| 40 | $1,496 |
| 50 | $1,366 |
| 60 | $1,340 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,892 |
| $250 | $1,708 |
| $500 | $1,496 |
| $1,000 | $1,292 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,584 |
| 100/300 | $1,695 |
| 250/500 | $1,982 |
| 100 CSL | $1,629 |
| 300 CSL | $1,872 |
| 500 CSL | $2,049 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,018 |
| 20 | $5,538 |
| 30 | $3,326 |
| 40 | $3,256 |
| 50 | $3,108 |
| 60 | $3,082 |
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 | $80 |
| Multi-vehicle | $80 |
| Homeowner | $22 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $70 |
| Advance Quote | $76 |
| Online Quote | $107 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
