Understanding Lexus NX 300 Insurance Costs: 2025 Rates Explained

How much does Lexus NX 300 insurance cost? We compared rates from the base NX 300 2WD model up to the well-appointed Luxury and Sport Comfort trim levels to see how prices compared to the rest of the small luxury SUV market.

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  • Lexus NX 300 insurance costs $2,166 per year ($181 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 $96 less per year on average.
  • The cheapest NX 300 model to insure is the base 2WD trim level at an estimated $2,118 per year. The NX 300 Luxury AWD is the most expensive to insure at $2,246 per year.
  • Lexus NX 300 car insurance rates in a few larger cities include $2,218 in Albuquerque, NM, $2,862 in Miami, FL, and $2,124 in Omaha, NE.

How much does Lexus NX 300 car insurance cost?

Car insurance rates for a Lexus NX 300 average $2,166 a year for a full coverage, or around $181 a month. Comprehensive (or other-than-collision) coverage is around $494 a year, collision coverage is around $1,066, and the remaining liability and medical coverage is about $606.

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.

Average 2021 Lexus NX 300 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2021 Lexus NX 300 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2021 model year Lexus NX 300 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus NX 300 trim levels.

2021 Lexus NX 300 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,018$418
Safe Driver Age 20$4,408$367
At-fault Accidents Age 40$3,072$256
Low Deductibles Age 40$2,860$238
Safe Driver Age 30$2,310$193
Safe Driver Age 40$2,166$181
Safe Driver Age 50$1,914$160
High Deductibles Age 40$1,814$151
Discount Rate Age 40$1,800$150
Safe Driver Age 60$1,796$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2021 Lexus NX 300 trim levels. Updated June 26, 2025

How do Lexus NX 300 insurance rates rank?

The Lexus NX 300 ranks 10th out of 25 total vehicles in the 2021 compact luxury SUV category. The NX 300 costs an estimated $2,166 per year to insure and the category average rate is $2,262 annually, a difference of $96 per year.

When insurance rates are compared to popular vehicles in the small luxury SUV segment, insurance for a Lexus NX 300 costs $6 less per year than the Mercedes-Benz GLC300, $256 less than the BMW X3, $382 more than the Acura RDX, and $196 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.

Average 2021 Lexus NX 300 car insurance premium compared to other small luxury SUV models.
Figure 2: Average 2021 Lexus NX 300 car insurance premium compared to other small luxury SUV models. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2021 model year Lexus NX 300. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lexus NX 300 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lexus NX 300 Insurance Cost Compared to All Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$382
2Cadillac XT4$1,844-$322
3Volvo XC40$1,888-$278
4Lincoln Corsair$2,080-$86
5Lexus UX 250h$2,098-$68
6Volvo XC60$2,120-$46
7Mercedes-Benz GLB 250$2,140-$26
8BMW X1$2,156-$10
9Lexus UX 200$2,158-$8
10Lexus NX 300$2,166--
11Mercedes-Benz GLC300$2,172$6
12Land Rover Defender$2,234$68
13Mercedes-Benz GLA250$2,248$82
14Land Rover Evoque$2,254$88
15BMW X2$2,292$126
16Audi Q3$2,346$180
17Audi Q5$2,362$196
18BMW X3$2,422$256
19Lexus NX 300H$2,434$268
20Mercedes-Benz GLA45 AMG$2,462$296
21Alfa Romeo Stelvio$2,486$320
22BMW X4$2,520$354
23Jaguar F-Pace$2,552$386
24Jaguar I-Pace$2,632$466
25Porsche Macan$2,688$522

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2021 model year. Updated June 26, 2025

Do cheaper models cost less to insure?

The cheapest model of Lexus NX 300 to insure is the base 2WD model at around $2,118 per year. The most expensive NX 300 trim level to insure is the Luxury AWD trim level at $2,246 per year. That’s a difference of $128 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.

2021 Lexus NX 300 Insurance Rates by Trim Level
2021 Lexus NX 300 Trim Level Annual Premium Cost Per Month
2WD$2,118$177
AWD$2,118$177
F Sport 2WD$2,118$177
Premium 2WD$2,118$177
F Sport AWD$2,182$182
F Sport Premium 2WD$2,182$182
F Sport Premium AWD$2,182$182
Luxury 2WD$2,182$182
Premium AWD$2,182$182
Sport Comfort 2WD$2,182$182
Sport Comfort AWD$2,182$182
Luxury AWD$2,246$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2021 Lexus NX 300 ranging from the 2WD model at $2,118 per year to the Luxury AWD model at $2,246
Insurance cost by trim level for a 2021 Lexus NX 300 ranging from the 2WD model at $2,118 per year to the Luxury AWD model at $2,246

Average insurance rates by location

Depending on your location, the cost to insure an NX 300 can vary significantly, from cheaper amounts like $1,870 a year in Columbus, OH, or $1,686 in Raleigh, NC, to higher rates like $3,196 a year in Philadelphia, PA, and $3,192 in Las Vegas, NV.

Rate averages for additional cities include San Jose, CA, averaging $2,492 per year, Colorado Springs, CO, at $2,530, Austin, TX, at $2,100, and Jacksonville, FL, at an estimated $2,272.

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

Average car insurance rates for a 2021 Lexus NX 300 in larger U.S. cities.
Figure 3: Average car insurance rates for a 2021 Lexus NX 300 in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2021 Lexus NX 300 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Lexus NX 300 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,516$293
Philadelphia, PA$3,196$266
Las Vegas, NV$3,192$266
Los Angeles, CA$3,184$265
San Francisco, CA$2,846$237
Kansas City, MO$2,606$217
Oklahoma City, OK$2,606$217
Denver, CO$2,570$214
Memphis, TN$2,570$214
Atlanta, GA$2,546$212
San Jose, CA$2,492$208
Phoenix, AZ$2,446$204
Portland, OR$2,424$202
San Diego, CA$2,414$201
Boston, MA$2,408$201
Chicago, IL$2,356$196
Dallas, TX$2,332$194
Houston, TX$2,322$194
Seattle, WA$2,314$193
Jacksonville, FL$2,272$189
Nashville, TN$2,254$188
Milwaukee, WI$2,248$187
Albuquerque, NM$2,218$185
San Antonio, TX$2,168$181
Omaha, NE$2,124$177
Fort Worth, TX$2,120$177
Austin, TX$2,100$175
Indianapolis, IN$1,974$165
Columbus, OH$1,870$156
Charlotte, NC$1,816$151

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2021 Lexus NX 300 and all Zip Codes in each city. Updated June 27, 2025

When comparing Lexus NX 300 rates from a broader state perspective, states like Virginia ($1,748), Maine ($1,646), and Iowa ($1,754) have cheaper insurance rates on a Lexus NX 300, while states like Michigan ($2,644), Louisiana ($2,456), and Florida ($2,548) 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.

2021 Lexus NX 300 Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,126$177
Alaska$1,896$158
Arizona$2,154$180
Arkansas$2,364$197
California$2,622$219
Colorado$2,404$200
Connecticut$2,472$206
Delaware$2,510$209
Florida$2,548$212
Georgia$2,324$194
Hawaii$1,774$148
Idaho$1,826$152
Illinois$2,088$174
Indiana$1,880$157
Iowa$1,754$146
Kansas$2,262$189
Kentucky$2,404$200
Louisiana$2,456$205
Maine$1,646$137
Maryland$2,174$181
Massachusetts$2,432$203
Michigan$2,644$220
Minnesota$2,060$172
Mississippi$2,250$188
Missouri$2,494$208
Montana$2,156$180
Nebraska$2,024$169
Nevada$2,604$217
New Hampshire$1,754$146
New Jersey$2,628$219
New Mexico$2,002$167
New York$2,542$212
North Carolina$1,684$140
North Dakota$2,010$168
Ohio$1,800$150
Oklahoma$2,454$205
Oregon$2,180$182
Pennsylvania$2,224$185
Rhode Island$2,674$223
South Carolina$2,026$169
South Dakota$2,332$194
Tennessee$2,208$184
Texas$2,172$181
Utah$2,086$174
Vermont$1,848$154
Virginia$1,748$146
Washington$2,132$178
West Virginia$2,114$176
Wisconsin$1,828$152
Wyoming$2,108$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2021 Lexus NX 300 in all 50 U.S. States
Average annual premium and cost per month to insure a 2021 Lexus NX 300 in all 50 U.S. States