Lexus NX 300h Insurance Rates

Average insurance prices for a Lexus NX 300h are $1,314 every 12 months for full coverage. Comprehensive insurance costs on average $250 a year, collision costs $446, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,852 or more. Teens receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Rate estimates by individual coverage type:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and NX 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

These examples show why it is important to compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $762
• Drivers who choose higher $1,000 deductibles will pay around $1,156 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,314
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $308 a year
• High risk drivers with serious driving violations could pay upwards of $2,852 or more
• The cost to insure a teen driver may cost $5,046 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Lexus NX 300h insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different.

How to Shop for More Affordable Lexus NX 300h Insurance

Saving money on Lexus NX 300h insurance not only requires having a good driving record, but also maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the material that was illustrated above.

• Drivers who require increased levels of liability coverage will pay approximately $510 each year to go from a minimum limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, costing as high as $421 per month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations pay an average of $1,540 more each year to buy Lexus NX 300h insurance
• Increasing deductibles could save as much as $475 each year