Lexus NX 300 Insurance Rates

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UPDATED: Jun 7, 2024

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The average insurance rates for a Lexus NX 300 are $1,450 a year with full coverage. Comprehensive insurance costs approximately $292 a year, collision costs $548, and liability coverage is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing $3,152 or more. 16-year-old drivers cost the most to insure at $5,468 a year or more.

Average premium for full coverage: $1,450

Policy rates by type of insurance:

Comprehensive $292
Collision $548
Liability $452

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and NX 300 trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Lexus NX 300 insurance rates go from the low end price of $504 for just liability coverage to a high of $3,152 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

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

The examples above demonstrate why it is important to compare rates quotes using their specific location, rather than using 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.

Detailed Rate Analysis

The chart below details estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $830
  • Raising to $1,000 deductibles will save $1,260 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,450
  • Buying low $100 deductibles will cost an additional $372 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $3,152 or more
  • Policy cost that insures a teenage driver can cost $5,468

View Chart as Image

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

Auto insurance rates for a Lexus NX 300 also range considerably based on the trim level of your NX 300, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state also has a big influence on Lexus NX 300 insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,960 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles can reduce rates by up to $570 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Find Low Cost Lexus NX 300 Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop every other policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

Below is a review of the ideas that were raised in the charts and tables above.

  • Teenage drivers have the highest car insurance rates, as much as $456 each month if the policy includes full coverage
  • Drivers who have several accidents or serious violations may have to pay on average $1,700 more per year for auto insurance
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • You may be able to save around $180 per year simply 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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