Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,282 every 12 months including full coverage. Comprehensive costs around $242 each year, collision costs $418, and liability coverage costs around $464. Buying just liability costs as low as $514 a year, with insurance for high-risk drivers costing around $2,782. Teenage drivers cost the most to insure at $4,942 a year or more.

Average premium for full coverage: $1,282

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code 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 breaks down estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $747
• Using higher $1,000 deductibles will save about $150 every year
• The average price for a good driver age 40 using $500 deductibles is $1,282
• Using low deductibles for physical damage coverage increases the price to $1,572
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,782 or more
• Policy cost to insure a teenage driver can be $4,942 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied.

How to Shop for the Best Lexus NX 300h Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief recap of the car insurance concepts covered in the above illustrations.

• Drivers who tend to receive serious violations could be forced to pay on average $1,500 more every year for car insurance
• You may be able to save up to $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Consumers who may need higher liability limits will pay an extra $510 per year to increase from a 30/60 limit to a 250/500 level