Lexus NX 300h Insurance Rates

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

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and NX 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.

These rate differences highlight why all drivers should compare rates quotes based on a specific location, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $747
• Raising to $1,000 deductibles will save around $150 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,282
• Using low deductibles bumps up the cost to $1,572
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,782
• An auto insurance policy that insures a teenage driver may cost $4,942

View Chart as Image

Car insurance prices for a Lexus NX 300h also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find 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 can reduce prices by up to $440 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300h Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a positive credit history, refrain from filing small claims, and possibly raising deductibles. Compare prices at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,500 more each year than a low-risk driver
• Increasing policy deductibles can save approximately $450 each year
• Youthful drivers are expensive to insure, with the cost nearing $412 per month if full coverage is purchased