Lexus NX 300h Insurance Rates

Average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive insurance costs an estimated $242, collision insurance costs $418, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,782 or more. Teen drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different NX 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on price 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 other coverage scenarios.

• The lowest rate with discounts is $747
• Using higher $1,000 deductibles will save approximately $150 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,282
• Choosing more expensive low deductibles for physical damage coverage costs an additional $290 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,782
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,942 or more

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Insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

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How to Buy the Best Lexus NX 300h Insurance

Saving money on Lexus NX 300h insurance requires not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief recap of the coverage data touched on in the above illustrations.

• Drivers can save approximately $150 per year just by shopping early and online
• Increasing deductibles could save up to $450 each year
• Teens are charged the highest rates, costing as high as $412 per month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,500 more annually for NX 300h insurance