Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year including full coverage. Comprehensive costs approximately $242 each year, collision insurance costs $418, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,782. Teen drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and NX 300h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save $150 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,282
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,572
• Drivers with multiple violations and an at-fault accident could pay around $2,782
• The price for full coverage for a teenage driver can cost $4,942 each year

View Chart as Image

Car insurance prices for a Lexus NX 300h are also quite variable based on your driving record, the model of your NX 300h, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus NX 300h insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $440 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than average. View High Risk Driver Rates

How to Find More Affordable Lexus NX 300h Insurance

Getting lower rates on auto insurance takes being a good driver, having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a summary of the coverage data covered in the above illustrations.

• You may be able to save around $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $450 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $412 a month if full coverage is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,500 more per year than a safer driver