Lexus NX 300h Insurance Rates

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Compare 2015 Lexus NX 300h Car Insurance Cost in 2025

Want better insurance coverage rates for your Lexus NX 300h? Shopping for the lowest price insurance coverage on the web can be rather difficult for drivers not familiar with online price comparisons. With so many agents and insurers available, how can drivers have a chance to compare every possible option in order to find better insurance coverage prices? Choosing the best insurance company for y...

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UPDATED: Apr 25, 2024

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U.S. average insurance rates for a Lexus NX 300h are $1,314 a year for full coverage. Comprehensive costs around $250 a year, collision costs $446, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,852. Teenage drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Comprehensive $250
Collision $446
Liability $460

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and NX 300h trim levels.

Price Range from Low to High

For the normal driver, Lexus NX 300h insurance prices go from the low end price of $510 for just liability insurance to a high of $2,852 for high-risk insurance.

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

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 densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

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

The ranges above show why it is important to get quotes for a specific zip code, instead of making a decision based on average rates.

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.

More Rate Details

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

  • The best discount rate is $762
  • Choosing higher $1,000 deductibles can save about $1,156 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,314
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,622
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,852 or more
  • The price that insures a 16-year-old driver can be $5,046 each year

View Chart as Image

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

Auto insurance prices for a Lexus NX 300h are also quite variable based on the trim level of your NX 300h, 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 $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 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 $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can save as much as $470 annually, while buying higher 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 $414 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

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 Find the Best Cheap Lexus NX 300h Insurance

Getting lower rates on insurance for a Lexus NX 300h takes being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a quick review of the material that was presented in the illustrations above.

  • Insureds who may need more liability protection will pay an extra $510 each year to raise limits from a low limit to the 250/500 level
  • Youthful drivers are expensive to insure, with premiums as much as $421 a month if the policy includes full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,540 more every year than a low-risk driver
  • Increasing physical damage deductibles can save approximately $475 each year

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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