Lexus NX 300h Insurance Rates

Average insurance prices for a Lexus NX 300h are $1,314 every 12 months including full coverage. Comprehensive insurance costs an estimated $250 each year, collision insurance costs $446, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,852 or more. 16-year-old drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change insurance prices.

These examples highlight why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $762
• Using higher $1,000 deductibles will save approximately $158 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,314
• Buying low deductibles for physical damage coverage costs an extra $308 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,852
• The cost to insure a 16-year-old driver can cost as much as $5,046 or more

View Chart as Image

Insurance rates for a Lexus NX 300h can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $470 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Lexus NX 300h Insurance

Saving money on insurance for a Lexus NX 300h requires having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the ideas that were illustrated above.

• Drivers age 20 and younger are expensive to insure, as much as $421 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,540 more annually to buy Lexus NX 300h insurance
• Increasing deductibles could save as much as $475 each year
• You may be able to save approximately $160 per year just by quoting online in advance