Lexus NX 300h Insurance Rates
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UPDATED: Apr 25, 2024
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U.S. average insurance rates for a Lexus NX 300h are $1,370 a year including full coverage. Comprehensive insurance costs an estimated $268 each year, collision costs $484, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance 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 broken down by individual coverage:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and NX 300h models.
Price Range from Low to High
For an average driver, Lexus NX 300h insurance prices go from as low as $510 for the bare minimum liability coverage to a high rate of $2,976 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should compare prices for a targeted area and risk profile, 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 Rate Information
The chart below breaks down estimated Lexus NX 300h insurance rates for other coverage scenarios.
- The best full coverage rate is $790
- Using higher $1,000 deductibles will save approximately $170 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,370
- Buying low deductibles for physical damage coverage will cost an extra $334 a year
- Drivers with multiple tickets or accidents could pay up to $2,976 or more
- The price for full coverage for a teen driver can cost as much as $5,224 or more
Car insurance prices for a Lexus NX 300h are also quite variable based on your driving record, the model of your NX 300h, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,200 a year. View Rates by Age
The state you live in has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
| 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 Find the Right Lexus NX 300h Insurance
Getting lower rates on Lexus NX 300h insurance requires being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a quick rundown of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $160 per year simply by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,610 more annually to insure their NX 300h
- Increasing physical damage deductibles can save around $500 each year
- Teen drivers have the highest car insurance prices, possibly costing $435 a month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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