Lexus NX 300h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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U.S. average auto insurance rates for a Lexus NX 300h are $1,370 annually for full coverage. Comprehensive insurance costs around $268 each year, collision costs $484, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,976 or more. 16-year-old drivers pay the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,370

Price estimates for individual coverage:

Comprehensive $268
Collision $484
Liability $460

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and NX 300h models.

Price Range from Low to High

For the normal driver, Lexus NX 300h insurance prices go from as cheap as $510 for liability-only coverage to a high rate of $2,976 for high-risk insurance.

Liability Only $510
Full Coverage $1,370
High Risk $2,976

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.

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

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

The ranges above show why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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.

Additional Charts and Tables

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

  • The best full coverage rate is $790
  • Choosing higher $1,000 deductibles can save about $170 a year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,370
  • Buying low deductibles for comp and collision coverage costs an additional $334 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,976 or more
  • The price with full coverage for a teen driver can be $5,224 each year

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing full coverage Lexus NX 300h insurance prices range from $790 to $5,224

Insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus NX 300h insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or at least $1,960 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 $1,240 -$130 -9.5%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,562 $192 14.0%
Colorado $1,310 -$60 -4.4%
Connecticut $1,410 $40 2.9%
Delaware $1,552 $182 13.3%
Florida $1,716 $346 25.3%
Georgia $1,266 -$104 -7.6%
Hawaii $984 -$386 -28.2%
Idaho $928 -$442 -32.3%
Illinois $1,022 -$348 -25.4%
Indiana $1,032 -$338 -24.7%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,872 $502 36.6%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,132 -$238 -17.4%
Massachusetts $1,098 -$272 -19.9%
Michigan $2,382 $1,012 73.9%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,642 $272 19.9%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,082 -$288 -21.0%
Nevada $1,646 $276 20.1%
New Hampshire $990 -$380 -27.7%
New Jersey $1,534 $164 12.0%
New Mexico $1,216 -$154 -11.2%
New York $1,444 $74 5.4%
North Carolina $788 -$582 -42.5%
North Dakota $1,122 -$248 -18.1%
Ohio $948 -$422 -30.8%
Oklahoma $1,410 $40 2.9%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,830 $460 33.6%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,200 -$170 -12.4%
Texas $1,654 $284 20.7%
Utah $1,014 -$356 -26.0%
Vermont $940 -$430 -31.4%
Virginia $820 -$550 -40.1%
Washington $1,062 -$308 -22.5%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

View Chart as Image

Lexus NX 300h insurance rates by U.S. city

Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite different between companies.

Lexus NX 300h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Lexus NX 300h $332 $668 $416 $1,574
2020 Lexus NX 300h $320 $640 $430 $1,548
2019 Lexus NX 300h $304 $618 $442 $1,522
2017 Lexus NX 300h $280 $540 $456 $1,434
2016 Lexus NX 300h $268 $484 $460 $1,370
2015 Lexus NX 300h $250 $446 $460 $1,314

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 Buy the Best Lexus NX 300h Insurance

Getting lower rates on Lexus NX 300h insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief recap of the material that was presented in the illustrations above.

  • Drivers who may need higher levels of liability will pay around $510 each year to raise limits from a low limit to higher 250/500 limits
  • Teenage drivers are charged the highest prices, with premiums as much as $435 a month if they have full coverage
  • High-risk drivers who tend to receive serious violations pay an average of $1,610 more every year for auto insurance
  • Increasing physical damage deductibles could save up to $500 each year

Rates by Driver Age

Lexus NX 300h Insurance Rates by Driver Age
Driver Age Premium
16 $5,224
20 $3,172
30 $1,420
40 $1,370
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,462
100/300 $1,577
250/500 $1,876
100 CSL $1,508
300 CSL $1,761
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus NX 300h Insurance Rates for High Risk Drivers
Age Premium
16 $7,440
20 $5,054
30 $3,034
40 $2,976
50 $2,844
60 $2,820

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 $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $67
Online Quote $97
Total Discounts $580
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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