Lexus NX 300 Insurance Rates
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UPDATED: Jun 7, 2024
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Estimated insurance rates for a Lexus NX 300 are $1,450 a year including full coverage. Comprehensive costs approximately $292, collision insurance costs $548, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $3,152. Teen drivers pay the most at up to $5,468 a year.
Average premium for full coverage: $1,450
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical 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 a 40-year-old driver, insurance rates for a Lexus NX 300 range from as low as $504 for a discount liability-only rate to a much higher rate of $3,152 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Lexus NX 300 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $830
- Drivers who choose higher $1,000 deductibles will pay $190 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,450
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,822
- High risk drivers with multiple violations and an at-fault accident could pay around $3,152
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,468 a year
Insurance prices for a Lexus NX 300 also have a wide range based on your driving characteristics, the model of your NX 300, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus NX 300 insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,070 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $570 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
| 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 Find the Best Cheap Lexus NX 300 Insurance
Finding better rates on Lexus NX 300 insurance not only requires having a decent driving record, but also having a good credit history, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a quick review of the coverage data illustrated above.
- You may be able to save around $180 per year just by shopping early and online
- Increasing policy deductibles can save around $550 each year
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $456 per month including comprehensive and collision insurance
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,700 more per year than a driver with a clean driving record
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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