Lexus NX 300h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 25, 2024

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U.S. average auto insurance rates for a Lexus NX 300h are $1,314 annually for full coverage insurance. Comprehensive costs an estimated $250, collision insurance costs $446, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,852. Teen drivers pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates broken down by individual coverage:

Comprehensive $250
Collision $446
Liability $460

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all NX 300h models.

Price Range from Low to High

For the average 40-year-old driver, Lexus NX 300h insurance prices range from as cheap as $510 for the bare minimum liability coverage to the much higher price of $2,852 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, 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.

Additional Rate Information

The chart below illustrates average Lexus NX 300h insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $762
  • Raising to $1,000 deductibles will save approximately $158 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,314
  • Choosing pricier low deductibles will cost $1,622
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,852
  • The price with full coverage for a teenage driver for full coverage can cost as much as $5,046

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing Lexus NX 300h insurance rates range from $762 to $5,046 for full coverage

Car insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $470 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.

Lexus NX 300h Insurance Rates by State
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%

View Chart as Image

Lexus NX 300h insurance rates by U.S. city
Lexus NX 300h Insurance Rates by Model Year
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 Buy Affordable Lexus NX 300h Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts touched on in this article.

  • Drivers with DUI or reckless driving convictions may pay on average $1,540 more annually to insure their NX 300h
  • It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $475 each year
  • Consumers who want more liability coverage will pay about $510 annually to raise from a low limit to higher 250/500 limits

Rates by Driver Age

Lexus NX 300h Insurance 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

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
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

Lexus NX 300h Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $762

Discounts are estimated and may not be available from every company or in every state.

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