Lexus NX 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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U.S. average insurance prices for a Lexus NX 300h are $1,314 every 12 months including full coverage. Comprehensive costs around $250, collision costs $446, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,852. Teen drivers pay the highest rates at $5,046 a year or more.
Average premium for full coverage: $1,314
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different NX 300h trim levels.
Price Range from Low to High
For a 40-year-old driver, Lexus NX 300h insurance prices go from the cheapest price of $510 for your basic liability-only policy to a much higher rate of $2,852 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how your location can change auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $762
- Using higher $1,000 deductibles will save about $158 every year
- The average price for the average middle-age driver using $500 deductibles is $1,314
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,622
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,852 or more
- The price to insure a teenage driver with full coverage can be $5,046 or more
Insurance prices for a Lexus NX 300h are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $470 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 44% to 136% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,880 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$126 | -9.6% |
| Alaska | $1,008 | -$306 | -23.3% |
| Arizona | $1,092 | -$222 | -16.9% |
| Arkansas | $1,314 | -$0 | 0.0% |
| California | $1,498 | $184 | 14.0% |
| Colorado | $1,258 | -$56 | -4.3% |
| Connecticut | $1,352 | $38 | 2.9% |
| Delaware | $1,488 | $174 | 13.2% |
| Florida | $1,644 | $330 | 25.1% |
| Georgia | $1,214 | -$100 | -7.6% |
| Hawaii | $944 | -$370 | -28.2% |
| Idaho | $890 | -$424 | -32.3% |
| Illinois | $978 | -$336 | -25.6% |
| Indiana | $990 | -$324 | -24.7% |
| Iowa | $888 | -$426 | -32.4% |
| Kansas | $1,250 | -$64 | -4.9% |
| Kentucky | $1,794 | $480 | 36.5% |
| Louisiana | $1,946 | $632 | 48.1% |
| Maine | $810 | -$504 | -38.4% |
| Maryland | $1,086 | -$228 | -17.4% |
| Massachusetts | $1,052 | -$262 | -19.9% |
| Michigan | $2,284 | $970 | 73.8% |
| Minnesota | $1,102 | -$212 | -16.1% |
| Mississippi | $1,574 | $260 | 19.8% |
| Missouri | $1,166 | -$148 | -11.3% |
| Montana | $1,412 | $98 | 7.5% |
| Nebraska | $1,038 | -$276 | -21.0% |
| Nevada | $1,576 | $262 | 19.9% |
| New Hampshire | $948 | -$366 | -27.9% |
| New Jersey | $1,470 | $156 | 11.9% |
| New Mexico | $1,164 | -$150 | -11.4% |
| New York | $1,386 | $72 | 5.5% |
| North Carolina | $756 | -$558 | -42.5% |
| North Dakota | $1,076 | -$238 | -18.1% |
| Ohio | $910 | -$404 | -30.7% |
| Oklahoma | $1,352 | $38 | 2.9% |
| Oregon | $1,204 | -$110 | -8.4% |
| Pennsylvania | $1,254 | -$60 | -4.6% |
| Rhode Island | $1,754 | $440 | 33.5% |
| South Carolina | $1,192 | -$122 | -9.3% |
| South Dakota | $1,110 | -$204 | -15.5% |
| Tennessee | $1,152 | -$162 | -12.3% |
| Texas | $1,584 | $270 | 20.5% |
| Utah | $974 | -$340 | -25.9% |
| Vermont | $900 | -$414 | -31.5% |
| Virginia | $788 | -$526 | -40.0% |
| Washington | $1,018 | -$296 | -22.5% |
| West Virginia | $1,204 | -$110 | -8.4% |
| Wisconsin | $910 | -$404 | -30.7% |
| Wyoming | $1,172 | -$142 | -10.8% |
Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $320 | $640 | $430 | $1,548 |
| 2020 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2019 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2017 Lexus NX 300h | $268 | $484 | $460 | $1,370 |
| 2016 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2015 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
Rates are averaged for all Lexus NX 300h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Lexus NX 300h Insurance
Getting lower rates on auto insurance requires being a good driver, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a brief review of the car insurance concepts illustrated above.
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,540 more every year than a safer driver
- You may be able to save up to $160 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $475 each year
- Consumers who may need an increased level of liability coverage will pay about $510 per year to increase from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,040 |
| 30 | $1,360 |
| 40 | $1,314 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,314 |
| 50/100 | $1,406 |
| 100/300 | $1,521 |
| 250/500 | $1,820 |
| 100 CSL | $1,452 |
| 300 CSL | $1,705 |
| 500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,176 |
| 20 | $4,844 |
| 30 | $2,904 |
| 40 | $2,852 |
| 50 | $2,724 |
| 60 | $2,700 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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