Lexus NX 300 Insurance Rates

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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:

Comprehensive $280
Collision $516
Liability $456

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.

Liability Only $508
Full Coverage $1,410
High Risk $3,064

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.

Rural Areas $1,058
Small Cities $1,481
Large Cities $1,904

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

View Chart as Image

Lexus NX 300 insurance cost comparison chart
Column chart showing full coverage Lexus NX 300 insurance rates range from $810 to $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.

Lexus NX 300 Insurance Rates by State
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%

View Chart as Image

Lexus NX 300 insurance rates by U.S. city

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.

Lexus NX 300 Insurance Rates by Model Year
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

Rates by Driver Age

Lexus NX 300 Insurance 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

Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,764
$250 $1,600
$500 $1,410
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
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

Lexus NX 300 Insurance 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.

SR-22 Surcharge $199

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
Rate after discounts $810

Discounts are estimated and may not be available from every company or in every state.

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