Lexus NX 300 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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Estimated insurance prices for a Lexus NX 300 are $1,496 every 12 months including full coverage. Comprehensive insurance costs approximately $304, collision costs $592, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $3,256 or more. Teens pay the most at $5,612 a year or more.

Average premium for full coverage: $1,496

Premium estimates by type of coverage:

Comprehensive $304
Collision $592
Liability $442

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all NX 300 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Lexus NX 300 go from the cheapest price of $496 for a discount liability-only rate to the much higher price of $3,256 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,496
High Risk $3,256

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,122
Small Cities $1,571
Large Cities $2,020

These rate differences highlight why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on 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 estimated Lexus NX 300 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $850
  • Using higher $1,000 deductibles will save $204 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,496
  • Selecting pricier low deductibles for physical damage coverage costs an extra $396 annually
  • High-risk insureds with serious driving violations could pay around $3,256 or more
  • An auto insurance policy to insure a 16-year-old driver for full coverage can cost $5,612 or more

View Chart as Image

Lexus NX 300 insurance cost comparison chart
Column chart showing full coverage Lexus NX 300 insurance prices range from $850 to $5,612

Insurance prices for a Lexus NX 300 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your NX 300.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 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 $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 extra annually, depending on your age. Lexus NX 300 insurance for high-risk drivers can be from 45% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus NX 300 insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,130 on average in Louisiana, New York, and Michigan.

Lexus NX 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,352 -$144 -9.6%
Alaska $1,148 -$348 -23.3%
Arizona $1,242 -$254 -17.0%
Arkansas $1,496 -$0 0.0%
California $1,704 $208 13.9%
Colorado $1,428 -$68 -4.5%
Connecticut $1,538 $42 2.8%
Delaware $1,694 $198 13.2%
Florida $1,872 $376 25.1%
Georgia $1,380 -$116 -7.8%
Hawaii $1,074 -$422 -28.2%
Idaho $1,012 -$484 -32.4%
Illinois $1,114 -$382 -25.5%
Indiana $1,126 -$370 -24.7%
Iowa $1,008 -$488 -32.6%
Kansas $1,422 -$74 -4.9%
Kentucky $2,040 $544 36.4%
Louisiana $2,216 $720 48.1%
Maine $922 -$574 -38.4%
Maryland $1,234 -$262 -17.5%
Massachusetts $1,196 -$300 -20.1%
Michigan $2,598 $1,102 73.7%
Minnesota $1,252 -$244 -16.3%
Mississippi $1,792 $296 19.8%
Missouri $1,328 -$168 -11.2%
Montana $1,608 $112 7.5%
Nebraska $1,180 -$316 -21.1%
Nevada $1,794 $298 19.9%
New Hampshire $1,076 -$420 -28.1%
New Jersey $1,672 $176 11.8%
New Mexico $1,324 -$172 -11.5%
New York $1,576 $80 5.3%
North Carolina $860 -$636 -42.5%
North Dakota $1,224 -$272 -18.2%
Ohio $1,034 -$462 -30.9%
Oklahoma $1,536 $40 2.7%
Oregon $1,370 -$126 -8.4%
Pennsylvania $1,428 -$68 -4.5%
Rhode Island $1,994 $498 33.3%
South Carolina $1,354 -$142 -9.5%
South Dakota $1,264 -$232 -15.5%
Tennessee $1,312 -$184 -12.3%
Texas $1,802 $306 20.5%
Utah $1,108 -$388 -25.9%
Vermont $1,024 -$472 -31.6%
Virginia $896 -$600 -40.1%
Washington $1,156 -$340 -22.7%
West Virginia $1,370 -$126 -8.4%
Wisconsin $1,036 -$460 -30.7%
Wyoming $1,332 -$164 -11.0%

View Chart as Image

Lexus NX 300 insurance rates by U.S. city

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each insurance company calculates prices differently, so the prices will be substantially different.

Lexus NX 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Lexus NX 300 $332 $640 $416 $1,546
2019 Lexus NX 300 $304 $592 $442 $1,496
2018 Lexus NX 300 $292 $548 $452 $1,450

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 Cheap Lexus NX 300 Insurance

Finding better rates on insurance for a Lexus NX 300 requires avoiding accidents and claims, having good credit, refrain from filing small claims, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the information covered in the above illustrations.

  • You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
  • Drivers under the age of 20 are expensive to insure, with the cost nearing $468 per month if they have full coverage
  • Increasing policy deductibles could save as much as $600 each year
  • Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,760 more per year to insure a Lexus NX 300
  • Insureds who purchase increased liability limits will pay approximately $490 per year to increase from 30/60 bodily injury limits to a 250/500 level

Rates by Driver Age

Lexus NX 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,612
20 $3,474
30 $1,562
40 $1,496
50 $1,366
60 $1,340

Full coverage, $500 deductibles

Rates by Deductible

Lexus NX 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,892
$250 $1,708
$500 $1,496
$1,000 $1,292

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,496
50/100 $1,584
100/300 $1,695
250/500 $1,982
100 CSL $1,629
300 CSL $1,872
500 CSL $2,049

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus NX 300 Insurance Rates for High Risk Drivers
Age Premium
16 $8,018
20 $5,538
30 $3,326
40 $3,256
50 $3,108
60 $3,082

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 $213

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $113
5-yr Claim Free $98
Paid in Full/EFT $70
Advance Quote $76
Online Quote $107
Total Discounts $646
Rate after discounts $850

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

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