Lexus NX 300 Insurance Rates

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UPDATED: Jun 7, 2024

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Estimated auto insurance rates for a Lexus NX 300 are $1,450 annually including full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $548, and liability insurance is estimated at $452. A policy with only liability insurance costs approximately $504 a year, and a high-risk policy costs $3,152 or more. Teens pay the most at up to $5,468 a year.

Average premium for full coverage: $1,450

Premium estimates by type of coverage:

Comprehensive $292
Collision $548
Liability $452

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Lexus NX 300 range from as cheap as $504 for a discount liability-only rate to the much higher price of $3,152 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

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

These rate differences highlight why everyone should get quotes using their specific location and their own personal driving habits, 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $830
  • Choosing higher $1,000 deductibles can save $190 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,450
  • Selecting pricier low deductibles for comp and collision coverage costs an additional $372 a year
  • High-risk insureds with serious driving violations could pay around $3,152
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,468 each year

View Chart as Image

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

Car insurance prices for a Lexus NX 300 also have a wide range based on the model of your NX 300, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers ranges anywhere 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 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus NX 300 insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,070 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 $1,312 -$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
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 Buy More Affordable Lexus NX 300 Insurance

Finding better rates on Lexus NX 300 insurance takes being a good driver, having a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Make time to compare rates every year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a summary of the coverage data touched on in this article.

  • You may be able to save around $180 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $550 each year
  • Drivers age 16 to 20 pay the highest auto insurance prices, with the cost nearing $456 per month if comprehensive and collision insurance is included
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,700 more per year than a safer driver

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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