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Lexus NX 300 Car Insurance [Rates + Comparison Guide]

Average Lexus NX 300 car insurance rates cost $133 per month ($1,594 per year). Comprehensive, collision, and liability insurance cost around $388, $567, and $450, respectively.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 2020

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Key takeaways:

  • Full coverage costs around $1,594 a year or $133 each month
  • A liability-only policy costs around $639 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,826 a year or $486 each month
  • Good drivers can save as much as $657 a year by earning policy discounts
  • Lexus NX 300 insurance costs around $75 more per year than the average vehicle

Lexus NX 300 insurance rates are about $75 more per year than the average vehicle with full coverage costing around $1,594 a year or $133 a month. Teens have the highest rates at around $5,826 a year or $486 a month as high-risk drivers.

Good drivers can save up to $657 a year in policy discounts by remaining safe and courteous on the road. Let’s take a quick look at Lexus NX 300 insurance rates, safety features, and more.

You can start comparing quotes for Lexus NX 300 car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus NX 300 Insurance Cost

The average auto insurance rates for a Lexus NX 300 cost $1,594 a year or $133 a month.

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Are Lexus NX 300s Expensive to Insure?

The chart below details how Lexus NX 300 insurance rates compare to other crossovers like the Lincoln MKT, Audi SQ5, and BMW X6.

Vehicle Comprehensive Collision Liability Total
Lexus NX 300 $376 $688 $372 $1,594
Lincoln MKT $370 $626 $450 $1,626
Audi SQ5 $394 $774 $264 $1,542
BMW X6 $432 $834 $398 $1,822
Kia Niro $282 $478 $398 $1,316
Chevrolet Trax $280 $470 $372 $1,280
Subaru Crosstrek $320 $512 $332 $1,300

However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus NX 300 Insurance?

The Lexus NX 300 trim and model you choose can impact the total price you will pay for Lexus NX 300 auto insurance coverage.

Age of the Vehicle

The average Lexus NX 300 car insurance rates are higher for newer models. For example, car insurance for a 2020 Lexus NX 300 costs $1,594, while 2018 Lexus NX 300 insurance costs are $1,556, a difference of $38.

Model Year Comprehensive Collision Liability Total
2020 Lexus NX 300 $376 $688 $372 $1,594
2019 Lexus NX 300 $358 $660 $390 $1,566
2018 Lexus NX 300 $344 $656 $398 $1,556

Driver Age

Driver age can have a significant impact on Lexus NX 300 auto insurance rates. As an example, a 40-year-old driver could pay $168 less each month for their Lexus NX 300 auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Lexus NX 300 insurance rates. For example, drivers in Los Angeles may pay $877 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Lexus NX 300 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus NX 300 car insurance with violations on their driving record.

Lexus NX 300 Safety Ratings

Your Lexus NX 300 car insurance rates are tied to the safety ratings of the Lexus NX 300. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Lexus NX 300 Crash Test Ratings

If the Lexus NX 300 crash test ratings are good, you could have lower Lexus NX 300 car insurance rates. See Lexus NX 300 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Lexus NX 300 5 4 5 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Lexus NX 300 Safety Features

The numerous safety features of the Lexus NX 300 help contribute to lower insurance rates. The 2020 Lexus NX 300 has the following safety features:

  • Rearview camera
  • Pre-collision system with pedestrian detection
  • Bicyclist detection
  • Lane departure warning
  • Lane keep assist
  • Adaptive cruise control
  • Traffic sign recognition

Lexus NX 300 Finance and Insurance Cost

If you are financing a Lexus NX 300, you will pay more if you purchase Lexus NX 300 car insurance at the dealership, so be sure to shop around and compare Lexus NX 300 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus NX 300 Insurance

Although it may seem like your Lexus NX 300 car insurance rates are set, there are a few measures that you can take to secure the best Lexus NX 300 car insurance rates possible. Take a look at the following five ways to save on Lexus NX 300 auto insurance.

  • Buy Winter Tires for Your Lexus NX 300
  • Consider Renting a Car Instead of Buying a Second Lexus NX 300
  • Understand the Different Types of Auto Insurance for Your Lexus NX 300
  • Use Paperless Billing for Your Lexus NX 300 Insurance Policy
  • Ask About a Student Away from Home Discount

Top Lexus NX 300 Insurance Companies

Who is the best auto insurance company for Lexus NX 300 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus NX 300 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus NX 300 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Lexus NX 300 Insurance Quotes Online

You can start comparing quotes for Lexus NX 300 car insurance rates from some of the best car insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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