Lexus NX 300h Insurance Rates

Estimated insurance prices for a Lexus NX 300h are $1,282 every 12 months for full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $418, and liability coverage is $464. A liability-only policy costs around $514 a year, and high-risk insurance costs $2,782 or more. Teenage drivers pay the most at up to $4,942 a year.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

More Rate Details

The chart below shows average Lexus NX 300h insurance rates for different risk profiles and scenarios.

• The best discount rate is $747
• Raising to $1,000 deductibles will save around $150 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,282
• Using low deductibles costs an extra $290 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,782
• An auto insurance policy to insure a teenage driver may cost $4,942

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Auto insurance prices for a Lexus NX 300h also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your NX 300h.

Using high physical damage deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

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How to Shop for Low Cost Lexus NX 300h Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

The points below are a review of the ideas that were illustrated above.

• Drivers under the age of 20 are charged the highest prices, as much as $412 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations pay an average of $1,500 more each year to insure a Lexus NX 300h
• Increasing policy deductibles could save as much as $450 each year
• Drivers can save as much as $150 per year just by quoting online in advance