Understanding Lexus NX 300 Insurance Costs: 2025 Rates Explained

• Lexus NX 300 insurance costs $2,218 per year ($185 per month) for a full coverage policy on average.
• When compared to other small luxury SUVs, the 2021 Lexus NX 300 is one of the cheaper small luxury SUVs to insure, costing $98 less per year on average.
• The cheapest NX 300 model to insure is the base 2WD trim level at an estimated $2,170 per year. The NX 300 Luxury AWD is the most expensive to insure at $2,300 per year.
• Lexus NX 300 car insurance rates in a few larger cities include $2,258 in Albuquerque, NM, $2,894 in Miami, FL, and $2,166 in Omaha, NE.

How much does Lexus NX 300 car insurance cost?

Car insurance rates for a Lexus NX 300 average $2,218 a year for a full coverage, or around $185 a month. Comprehensive (or other-than-collision) coverage is around $506 a year, collision coverage is around $1,092, and the remaining liability and medical coverage is about $620.

The following chart breaks down average auto insurance rates for a 2021 Lexus NX 300 using an assortment of different driver ages and risk profiles.

How do Lexus NX 300 insurance rates rank?

The Lexus NX 300 ranks 10^th out of 25 total vehicles in the 2021 compact luxury SUV category. The NX 300 costs an estimated $2,218 per year to insure and the category average rate is $2,316 annually, a difference of $98 per year.

When insurance rates are compared to popular vehicles in the small luxury SUV segment, insurance for a Lexus NX 300 costs $8 less per year than the Mercedes-Benz GLC300, $262 less than the BMW X3, $390 more than the Acura RDX, and $200 less than the Audi Q5.

The chart below shows how Lexus NX 300 car insurance rates compare to the rest of the top 10 selling small luxury SUVs for the 2021 model year. In addition, you can also view an expanded table after the chart breaking down insurance cost comparisons and rankings for all 25 vehicles in the 2021 segment.

Do cheaper models cost less to insure?

The cheapest model of Lexus NX 300 to insure is the base 2WD model at around $2,170 per year. The most expensive NX 300 trim level to insure is the Luxury AWD trim level at $2,300 per year. That’s a difference of $130 per year.

The rate table below details average car insurance rates for 12-month and 6-month terms, in addition to a monthly budget amount, for each Lexus NX 300 package and trim.

Average insurance rates by location

Depending on your location, the cost to insure an NX 300 can vary significantly, from cheaper amounts like $1,912 a year in Columbus, OH, or $1,726 in Raleigh, NC, to higher rates like $3,236 a year in Philadelphia, PA, and $3,228 in Las Vegas, NV.

Rate averages for additional cities include San Jose, CA, averaging $2,534 per year, Colorado Springs, CO, at $2,570, Austin, TX, at $2,140, and Jacksonville, FL, at an estimated $2,302.

The chart below shows average Lexus NX 300 insurance premiums in the thirty largest metro areas in the U.S.

When comparing Lexus NX 300 rates from a broader state perspective, states like Virginia ($1,786), Maine ($1,688), and Iowa ($1,796) have cheaper insurance rates on a Lexus NX 300, while states like Michigan ($2,668), Louisiana ($2,490), and Florida ($2,580) have more expensive insurance rates on a Lexus NX 300.

The table below details the average cost of Lexus NX 300 insurance in all fifty U.S. states.