Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive insurance costs approximately $242 each year, collision insurance costs $418, and liability costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs $2,782 or more. Teen drivers cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above show why all drivers should compare prices using their specific location, instead of using price averages.

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

More Rate Information

The chart below shows average Lexus NX 300h insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $747
• Using higher $1,000 deductibles will save $150 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,282
• Choosing low deductibles for physical damage coverage will cost an additional $290 every year
• Drivers with multiple violations and an at-fault accident could pay around $2,782
• Policy cost that insures a teen driver can cost $4,942 or more

View Chart as Image

Insurance rates for a Lexus NX 300h also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300h insurance prices. 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.

View Chart as Image

Choosing high deductibles could cut rates by as much as $440 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus NX 300h Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at least every other year by getting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a quick review of the car insurance concepts presented in the illustrations above.

• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,500 more per year for car insurance
• Drivers can save around $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Policyholders who purchase higher liability limits will pay about $510 each year to increase from a 30/60 limit to the 250/500 level