Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year with full coverage. Comprehensive insurance costs an estimated $242 a year, collision insurance costs $418, and liability insurance is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs $2,782 or more. Teenage 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:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and NX 300h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $747
• Choosing higher $1,000 deductibles can save approximately $1,132 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,282
• Using low $100 deductibles for comp and collision coverage will cost an additional $290 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,782
• The price that insures a teen driver can cost as much as $4,942 each year

View Chart as Image

Insurance prices for a Lexus NX 300h are also quite variable based on the trim level of your NX 300h, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay 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 rates. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $440 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300h Insurance

Getting lower rates on Lexus NX 300h insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices at least once a year by quoting rates from direct companies, and also from insurance agencies where you live.

The points below are a recap of the primary concepts that were illustrated above.

• You may be able to save approximately $150 per year just by quoting early and online
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,500 more annually to insure a Lexus NX 300h
• Increasing physical damage deductibles can save approximately $450 each year
• Drivers under the age of 20 are charged the highest prices, costing up to $412 a month if full coverage is included