Lexus NX 300h Insurance Rates

Average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive insurance costs around $242 each year, collision insurance costs $418, and liability coverage is estimated at $464. Liability-only coverage costs approximately $514 a year, and high-risk coverage costs $2,782 or more. Teen drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save about $150 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,282
• Choosing low deductibles for comp and collision coverage costs an additional $290 each year
• Drivers with multiple violations and an at-fault accident could pay at least $2,782
• The cost with full coverage for a teenage driver can be $4,942 each year

View Chart as Image

Car insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $440 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus NX 300h insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Lexus NX 300h Insurance

Saving money on auto insurance takes being a good driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a quick rundown of the information covered in the charts and tables above.

• Drivers can save up to $150 per year just by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, costing as high as $412 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $450 each year
• Drivers with reckless driving or DUI convictions pay an average of $1,500 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay about $510 each year to raise limits from a minimum limit to higher 250/500 limits