Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,282 every 12 months for full coverage insurance. Comprehensive costs an estimated $242 each year, collision insurance costs $418, and liability insurance is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs around $2,782. 16-year-old drivers cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

More Rate Details

The chart below illustrates average Lexus NX 300h insurance rates for other coverage scenarios.

• The best full coverage rate is $747
• Raising to $1,000 deductibles will save approximately $150 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,282
• Buying low deductibles increases the price to $1,572
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,782
• Policy cost to insure a teen driver can cost as much as $4,942

View Chart as Image

Auto insurance rates for a Lexus NX 300h also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $440 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick review of the data covered in the above illustrations.

• Drivers who want higher levels of liability will pay around $510 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Teenage drivers are the costliest to insure, possibly costing $412 each month if comprehensive and collision insurance is included