Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,282 every 12 months with full coverage. Comprehensive costs around $242 each year, collision insurance costs $418, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,782. Teenage drivers 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:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save about $150 annually
• The average price for a good driver age 40 using $500 deductibles is $1,282
• Using low deductibles for physical damage coverage increases the price to $1,572
• High-risk insureds who are prone to accidents and violations could pay at least $2,782
• Policy cost to insure a 16-year-old driver can be $4,942 or more

View Chart as Image

Insurance rates for a Lexus NX 300h also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 may be forking out at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Affordable Lexus NX 300h Insurance

Finding cheaper rates on insurance for a Lexus NX 300h requires avoiding accidents and claims, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a brief review of the coverage data covered above.

• You may be able to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers under the age of 20 are charged the highest rates, as much as $412 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,500 more every year to insure a Lexus NX 300h