Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive insurance costs on average $242, collision insurance costs $418, and liability coverage costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,782 or more. 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 by type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare rates based on a specific location, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $747
• Drivers who choose higher $1,000 deductibles will pay around $150 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,282
• Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $290 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,782
• Policy cost that insures a teenage driver for full coverage may cost $4,942 a year

View Chart as Image

Car insurance rates for a Lexus NX 300h also range considerably based on the model of your NX 300h, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Lexus NX 300h insurance for high-risk drivers can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300h insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $440 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus NX 300h Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every time your policy renews by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief review of the information touched on above.

• Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
• Teens are expensive to insure, costing up to $412 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,500 more each year for NX 300h insurance
• Consumers who require higher liability limits will pay around $510 each year to go from a 30/60 limit to the 250/500 level