Lexus NX 300 Car Insurance [List of Money Saving Tips]

If you want to buy inexpensive Lexus NX 300 insurance coverage then you should know that a policy will cost $133 per month ($1,594 per year) on average. Mature drivers with good driving records may find rates as low as $937 a year.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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. Good drivers can save up to $657 a year in policy discounts by practicing safe driving habits. Let’s dive into 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 Lexus NX 300 car insurance costs are $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 Cadillac XT4, Hyundai Tucson, and Audi SQ5.

Vehicle Comprehensive Collision Liability Total
Lexus NX 300 $376 $688 $372 $1,594
Cadillac XT4 $362 $656 $316 $1,470
Hyundai Tucson $294 $470 $372 $1,294
Audi SQ5 $394 $774 $264 $1,542
Nissan Rogue $268 $512 $440 $1,400
Lincoln MKT $370 $626 $450 $1,626
Hyundai Kona $280 $500 $316 $1,232
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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?

Even though the average annual rate for the Lexus NX 300 is $1,594, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lexus NX 300.

Age of the Vehicle

The average Lexus NX 300 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Lexus NX 300 are $1,594, while 2018 Lexus NX 300 rates 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
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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 $590 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your Lexus NX 300 car insurance rates. 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

The Lexus NX 300’s safety ratings will affect your Lexus NX 300 car insurance rates. See the chart 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
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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
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Lexus NX 300 Safety Features

Good Lexus NX 300 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Lexus NX 300 are:

  • 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

You can save more money on your Lexus NX 300 auto insurance rates by employing any of the following five strategies.

  • Provide Your Lexus NX 300 VIN When Requesting Lexus NX 300 Auto Insurance Quotes
  • Remove Young Drivers from Your Lexus NX 300 Insurance Plan
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Move to an Area with a Lower Cost of Living
  • Ask About Lexus NX 300 Safety Discounts

Top Lexus NX 300 Insurance Companies

The best auto insurance companies for Lexus NX 300 car insurance rates will offer competitive rates, discounts, and account for the Lexus NX 300’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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Compare Free Lexus NX 300 Insurance Quotes Online

To start comparing Lexus NX 300 car insurance quotes for free, use our online car insurance comparison tool.

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