Lexus NX 300 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 7, 2024
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Estimated insurance rates for a Lexus NX 300 are $1,410 a year including full coverage. Comprehensive costs around $280, collision costs $516, and liability coverage is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,064. Teen drivers pay the most at $5,346 a year or more.
Average premium for full coverage: $1,410
Premium estimates for type of coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different NX 300 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus NX 300 go from the low end price of $508 for just the minimum liability insurance to a much higher rate of $3,064 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.
Additional Rate Analysis
The chart below breaks down estimated Lexus NX 300 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $810
- Raising to $1,000 deductibles will save about $180 every year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,410
- Choosing more expensive low deductibles bumps up the cost to $1,764
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,064 or more
- An auto insurance policy that insures a teenage driver with full coverage can be $5,346
Insurance prices for a Lexus NX 300 also have a wide range based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 134% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age
Where you choose to live also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can reduce prices by up to $540 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices will be substantially different.
| 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 the Cheapest Lexus NX 300 Insurance
Finding better rates on auto insurance consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Shop around every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a recap of the ideas that were touched on above.
- Drivers under the age of 20 are charged the highest prices, with the cost nearing $446 per month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents may have to pay on average $1,650 more every year to insure a Lexus NX 300
- Increasing policy deductibles can save approximately $525 each year
- You may be able to save up to $170 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,764 |
| $250 | $1,600 |
| $500 | $1,410 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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