Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year with full coverage. Comprehensive costs an estimated $242, collision insurance costs $418, and liability insurance costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,782. Teens cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location 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 price range example below illustrates how your location can change insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates 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 $747
• Drivers who choose higher $1,000 deductibles will pay approximately $150 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,282
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,572
• High risk drivers with serious driving violations could pay up to $2,782
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,942 a year

View Chart as Image

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.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300h insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per 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 $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the coverage data illustrated above.

• You may be able to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• Teen drivers are charged the highest rates, as much as $412 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,500 more annually to insure their NX 300h