Lexus NX 300h Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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Average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage insurance. Comprehensive costs on average $242, collision costs $418, and liability is $464. Buying just liability costs around $514 a year, with insurance for high-risk drivers costing around $2,782. 16-year-old drivers receive the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different NX 300h trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $514 for basic liability insurance to a much higher rate of $2,782 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below illustrates estimated Lexus NX 300h insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $747
- Raising to $1,000 deductibles will save around $150 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,282
- Buying more expensive low deductibles will cost $1,572
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,782 or more
- The cost with full coverage for a teen driver with full coverage may cost $4,942
Auto insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $440 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2020 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2019 Lexus NX 300h | $280 | $540 | $456 | $1,434 |
| 2017 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2016 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
| 2015 Lexus NX 300h | $236 | $390 | $474 | $1,258 |
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 More Affordable Lexus NX 300h Insurance
Saving money on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a summary of the data that was covered above.
- It is possible to save as much as $150 per year simply by shopping early and online
- Policyholders who require additional liability coverage will pay around $510 annually to raise from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, costing up to $412 per month if full coverage is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,500 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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