Lexus NX 300h Insurance Rates

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Compare 2015 Lexus NX 300h Car Insurance Cost in 2025

Want better insurance coverage rates for your Lexus NX 300h? Shopping for the lowest price insurance coverage on the web can be rather difficult for drivers not familiar with online price comparisons. With so many agents and insurers available, how can drivers have a chance to compare every possible option in order to find better insurance coverage prices? Choosing the best insurance company for y...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 25, 2024

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Estimated auto insurance rates for a Lexus NX 300h are $1,314 annually including full coverage. Comprehensive costs approximately $250, collision insurance costs $446, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,852. 16-year-old drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different NX 300h trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lexus NX 300h range from as cheap as $510 for the bare minimum liability coverage to a much higher rate of $2,852 for high-risk insurance.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below breaks down average Lexus NX 300h insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $762
  • Raising to $1,000 deductibles will save $158 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,314
  • Buying more expensive low deductibles will cost $1,622
  • At-risk drivers with multiple tickets or accidents could pay around $2,852
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,046

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing Lexus NX 300h insurance rates range from $762 to $5,046 for full coverage

Insurance prices for a Lexus NX 300h also have a wide range based on the model of your NX 300h, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $470 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, New York, and Michigan.

Lexus NX 300h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,188 -$126 -9.6%
Alaska $1,008 -$306 -23.3%
Arizona $1,092 -$222 -16.9%
Arkansas $1,314 -$0 0.0%
California $1,498 $184 14.0%
Colorado $1,258 -$56 -4.3%
Connecticut $1,352 $38 2.9%
Delaware $1,488 $174 13.2%
Florida $1,644 $330 25.1%
Georgia $1,214 -$100 -7.6%
Hawaii $944 -$370 -28.2%
Idaho $890 -$424 -32.3%
Illinois $978 -$336 -25.6%
Indiana $990 -$324 -24.7%
Iowa $888 -$426 -32.4%
Kansas $1,250 -$64 -4.9%
Kentucky $1,794 $480 36.5%
Louisiana $1,946 $632 48.1%
Maine $810 -$504 -38.4%
Maryland $1,086 -$228 -17.4%
Massachusetts $1,052 -$262 -19.9%
Michigan $2,284 $970 73.8%
Minnesota $1,102 -$212 -16.1%
Mississippi $1,574 $260 19.8%
Missouri $1,166 -$148 -11.3%
Montana $1,412 $98 7.5%
Nebraska $1,038 -$276 -21.0%
Nevada $1,576 $262 19.9%
New Hampshire $948 -$366 -27.9%
New Jersey $1,470 $156 11.9%
New Mexico $1,164 -$150 -11.4%
New York $1,386 $72 5.5%
North Carolina $756 -$558 -42.5%
North Dakota $1,076 -$238 -18.1%
Ohio $910 -$404 -30.7%
Oklahoma $1,352 $38 2.9%
Oregon $1,204 -$110 -8.4%
Pennsylvania $1,254 -$60 -4.6%
Rhode Island $1,754 $440 33.5%
South Carolina $1,192 -$122 -9.3%
South Dakota $1,110 -$204 -15.5%
Tennessee $1,152 -$162 -12.3%
Texas $1,584 $270 20.5%
Utah $974 -$340 -25.9%
Vermont $900 -$414 -31.5%
Virginia $788 -$526 -40.0%
Washington $1,018 -$296 -22.5%
West Virginia $1,204 -$110 -8.4%
Wisconsin $910 -$404 -30.7%
Wyoming $1,172 -$142 -10.8%

View Chart as Image

Lexus NX 300h insurance rates by U.S. city
Lexus NX 300h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Lexus NX 300h $320 $640 $430 $1,548
2020 Lexus NX 300h $304 $618 $442 $1,522
2019 Lexus NX 300h $292 $574 $452 $1,476
2017 Lexus NX 300h $268 $484 $460 $1,370
2016 Lexus NX 300h $250 $446 $460 $1,314
2015 Lexus NX 300h $242 $418 $464 $1,282

Rates are averaged for all Lexus NX 300h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Lexus NX 300h Insurance

Finding better rates on car insurance consists of being safe and accident-free, having good credit, refrain from filing small claims, and consideration of higher deductibles. Spend time shopping around every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a summary of the material that was touched on above.

  • Policyholders who purchase more liability protection will pay around $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Youthful drivers are the costliest to insure, with the cost nearing $421 per month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,540 more per year than a low-risk driver
  • Increasing policy deductibles could save up to $475 each year

Rates by Driver Age

Lexus NX 300h Insurance Rates by Driver Age
Driver Age Premium
16 $5,046
20 $3,040
30 $1,360
40 $1,314
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,314
50/100 $1,406
100/300 $1,521
250/500 $1,820
100 CSL $1,452
300 CSL $1,705
500 CSL $1,889

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus NX 300h Insurance Rates for High Risk Drivers
Age Premium
16 $7,176
20 $4,844
30 $2,904
40 $2,852
50 $2,724
60 $2,700

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $762

Discounts are estimated and may not be available from every company or in every state.

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