Lexus NX 300 Insurance Rates

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UPDATED: Jun 7, 2024

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Average insurance prices for a Lexus NX 300 are $1,450 every 12 months including full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $548, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $3,152 or more. Teens receive the highest rates at up to $5,468 a year.

Average premium for full coverage: $1,450

Rate estimates by individual coverage type:

Comprehensive $292
Collision $548
Liability $452

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and NX 300 trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $504 for a discount liability-only rate to a high of $3,152 for a driver who requires high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

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

These examples highlight why it is important to get quotes based on a specific location and their own driving history, instead of using 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 different risk profiles and scenarios.

  • The cheapest rate after discounts is $830
  • Choosing higher $1,000 deductibles can save around $1,260 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,450
  • Selecting low $100 deductibles for comp and collision coverage costs an extra $372 every year
  • Unlucky drivers with serious driving violations could pay upwards of $3,152
  • The cost to insure a teen driver may 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

Auto insurance rates for a Lexus NX 300 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your NX 300.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 131% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus NX 300 insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

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 Shop for the Best Lexus NX 300 Insurance

Saving money on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the concepts that were presented in the illustrations above.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,700 more each year to insure their NX 300
  • Teen drivers are charged the highest rates, as much as $456 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $180 per year just by quoting early and online
  • Increasing deductibles could save as much as $550 each year
  • You may be able to save as much as $180 per year just by quoting early and online

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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