Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year with full coverage. Comprehensive insurance costs around $242 each year, collision insurance costs $418, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,782 or more. Teens cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details average Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $747
• Choosing higher $1,000 deductibles can save about $150 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,282
• Selecting low deductibles for comp and collision coverage will cost an additional $290 each year
• Drivers with serious driving violations could pay at least $2,782
• Policy cost that insures a teenage driver can be $4,942 each year

View Chart as Image

Auto insurance rates for a Lexus NX 300h also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus NX 300h insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus NX 300h Insurance

Finding cheaper rates on auto insurance takes having a good driving record, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at every policy renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the data illustrated above.

• Consumers who may need increased levels of liability coverage will pay approximately $510 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers age 20 and younger are expensive to insure, as much as $412 each month if the policy includes full coverage