Lexus NX 300h Insurance Rates

Average insurance rates for a Lexus NX 300h are $1,314 a year for full coverage insurance. Comprehensive costs on average $250 each year, collision insurance costs $446, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,852. Teen drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location, rather than using price averages.

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

Additional Rate Information

The chart below illustrates average Lexus NX 300h insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $762
• Using higher $1,000 deductibles will save around $158 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,314
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,622
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,852
• The cost that insures a teenage driver may cost $5,046 or more

View Chart as Image

Insurance rates for a Lexus NX 300h can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300h Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers with a DUI or reckless driving violation may pay on average $1,540 more each year than a driver with a clean driving record
• It is possible to save as much as $160 per year just by quoting online in advance
• Increasing deductibles can save approximately $475 each year
• Consumers who require additional liability coverage will pay about $510 annually to increase from a minimum limit to the 250/500 level