Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive costs around $242, collision insurance costs $418, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,782. 16-year-old drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates for individual coverage:

Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different NX 300h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below shows average Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $747
• Choosing higher $1,000 deductibles can save about $150 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,282
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,572
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,782
• The price that insures a 16-year-old driver with full coverage can be $4,942 each year

View Chart as Image

Insurance prices for a Lexus NX 300h are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $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 prices. A good driver about age 40 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.

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Opting for high physical damage deductibles can save as much as $440 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300h Insurance

Getting lower rates on insurance for a Lexus NX 300h takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every year by getting quotes from direct carriers, and also from several local insurance agents.

The next list is a recap of the coverage data touched on in this article.

• Drivers can save up to $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $412 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents pay on average $1,500 more every year to buy Lexus NX 300h insurance