Lexus NX 300h Insurance Rates

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

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $747
• Drivers who choose higher $1,000 deductibles will pay around $1,132 annually
• The average price for a good driver age 40 with $500 deductibles is $1,282
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $290 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,782
• Policy cost to insure a 16-year-old driver may cost $4,942 a year

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 of your NX 300h.

Choosing high deductibles could save up to $440 annually, while buying higher liability limits will cost you more. 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

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $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 a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lexus NX 300h insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Low Cost Lexus NX 300h Insurance

Finding cheaper rates on insurance for a Lexus NX 300h not only requires having a decent driving record, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following items are a review of the data touched on in the above illustrations.

• Insureds who require additional liability coverage will pay about $510 every year to go from a 30/60 limit to a 250/500 level
• You may be able to save as much as $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• 16 to 18-year-old drivers pay higher rates, as much as $412 each month if full coverage is included