Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,314 a year for full coverage. Comprehensive costs around $250, collision insurance costs $446, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,852. Teenage drivers pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all NX 300h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

The ranges above show why everyone should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $762
• Raising to $1,000 deductibles will save about $158 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,314
• Using pricier low deductibles will increase the cost to $1,622
• At-risk drivers who are prone to accidents and violations could pay at least $2,852
• The price for full coverage for a teen driver for full coverage can be $5,046

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Insurance prices for a Lexus NX 300h are also quite variable based on your driving record, the trim level of your NX 300h, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

The state you live in also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles can reduce prices by up to $470 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 additional each year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus NX 300h Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a quick review of the data that was presented in the illustrations above.

• Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
• Policyholders who may need higher levels of liability will pay an extra $510 each year to raise from a low limit to 250/500 limits
• Teenage drivers are charged the highest prices, with premiums as much as $421 a month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,540 more every year for auto insurance