Lexus NX 300 Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average auto insurance rates for a Lexus NX 300 are $1,450 annually with full coverage. Comprehensive costs around $292 a year, collision insurance costs $548, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $3,152. Teens pay the highest rates at up to $5,468 a year.
Average premium for full coverage: $1,450
Price estimates for individual coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 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 cheap as $504 for the bare minimum liability coverage to a high of $3,152 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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 Information
The chart below details average Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $830
- Choosing higher $1,000 deductibles can save about $1,260 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,450
- Selecting low $100 deductibles for comp and collision coverage will cost $1,822
- Higher-risk drivers with serious driving violations could pay at least $3,152
- The price with full coverage for a 16-year-old driver can be $5,468 each year
Auto insurance prices for a Lexus NX 300 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,960 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy the Best Lexus NX 300 Insurance
Getting lower rates on insurance for a Lexus NX 300 takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,700 more every year for NX 300 insurance
- Teens are expensive to insure, costing up to $456 a month if full coverage is included
- You may be able to save up to $180 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $550 each year
- You may be able to save up to $180 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,648 |
| $500 | $1,450 |
| $1,000 | $1,260 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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