Lexus NX 300h Insurance Rates

The average auto insurance rates for a Lexus NX 300h are $1,282 annually including full coverage. Comprehensive insurance costs approximately $242, collision insurance costs $418, and liability insurance is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs $2,782 or more. Teens cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $747
• Raising to $1,000 deductibles will save $150 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,282
• Selecting more expensive low deductibles costs an additional $290 a year
• Higher-risk drivers with serious driving violations could pay around $2,782
• Policy cost with full coverage for a teen driver with full coverage can cost $4,942

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Insurance rates for a Lexus NX 300h also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,830 on average in Louisiana, New York, and Michigan.

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How to Buy the Right Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick rundown of the information illustrated above.

• You may be able to save around $150 per year just by shopping early and online
• Teenagers are the costliest to insure, with premiums being up to $412 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $450 each year
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,500 more per year for car insurance
• Drivers who purchase higher liability limits will pay approximately $510 per year to raise from a 30/60 limit to higher 250/500 limits