Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive insurance costs an estimated $242, collision insurance costs $418, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,782 or more. 16-year-old drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all NX 300h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The example below illustrates how geographic area affects insurance prices.

The ranges above show why everyone should get quotes for a targeted area, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $747
• Choosing higher $1,000 deductibles can save approximately $150 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,282
• Buying pricier low deductibles for comp and collision coverage will cost an additional $290 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,782
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,942 each year

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Car insurance prices for a Lexus NX 300h are also quite variable based on the model of your NX 300h, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 extra each year, depending on your age. Lexus NX 300h insurance for high-risk drivers ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus NX 300h insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300h Insurance

Getting lower rates on insurance for a Lexus NX 300h takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a review of the ideas that were presented in the illustrations above.

• Youthful drivers have the highest car insurance prices, with premiums as much as $412 a month if full coverage is purchased
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,500 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date