Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year including full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $418, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs $2,782 or more. Teenage drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save around $150 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,282
• Using low deductibles for physical damage coverage will cost an additional $290 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,782
• The price that insures a teen driver may cost $4,942 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $440 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300h Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices every year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick review of the coverage data presented in the illustrations above.

• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $450 each year
• Teens pay the highest prices, possibly costing $412 a month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,500 more each year for NX 300h insurance