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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U.S. average insurance prices for a Lexus NX 300 are $1,410 every 12 months for full coverage insurance. Comprehensive costs approximately $280, collision costs $516, and liability is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $3,064. 16-year-old drivers pay the highest rates at $5,346 a year or more.
Average premium for full coverage: $1,410
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all NX 300 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus NX 300 insurance prices go from the cheapest price of $508 for liability-only coverage to the much higher price of $3,064 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate 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 Charts and Tables
The chart below illustrates estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $810
- Raising to $1,000 deductibles will save $180 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,410
- Buying pricier low deductibles increases the price to $1,764
- Drivers with multiple tickets or accidents could pay around $3,064 or more
- The price to insure a 16-year-old driver for full coverage can cost $5,346
Insurance prices for a Lexus NX 300 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your NX 300.
Opting for high physical damage deductibles can reduce prices by up to $540 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Lexus NX 300 insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Lexus NX 300 insurance prices. A middle-age driver might find prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,910 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite 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 Shop for the Cheapest Lexus NX 300 Insurance
Getting lower rates on insurance for a Lexus NX 300 consists of being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a recap of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,650 more per year to insure their NX 300
- It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $525 each year
- Insureds who purchase more liability coverage will pay around $500 annually to raise from a low limit to a 250/500 level
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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