Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,314 a year with full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $446, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,852 or more. Teens cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates broken down by type of insurance:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below details average Lexus NX 300h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save approximately $1,156 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,314
• Selecting low $100 deductibles for physical damage coverage will cost an extra $308 a year
• Drivers with serious driving violations could pay up to $2,852
• Policy cost for full coverage for a teen driver can cost as much as $5,046 or more

View Chart as Image

Auto insurance rates for a Lexus NX 300h also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

How to Find the Best Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance requires having a good driving record, having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the data that was touched on in this article.

• You may be able to save approximately $160 per year just by quoting early and online
• Drivers who want increased levels of liability coverage will pay approximately $510 every year to increase from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, as much as $421 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,540 more annually to buy Lexus NX 300h insurance