Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive costs on average $242 each year, collision insurance costs $418, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,782. Teen drivers 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:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should get quotes based on a specific location, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save around $150 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,282
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,572
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,782
• Policy cost that insures a teenage driver may cost $4,942 each year

View Chart as Image

Auto insurance rates for a Lexus NX 300h also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can save as much as $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300h Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a review of the primary concepts that were covered above.

• Drivers can save as much as $150 per year just by quoting online in advance
• Drivers who have several accidents or serious violations may pay on average $1,500 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Teenage drivers are charged the highest rates, costing up to $412 each month if the policy includes full coverage