Lexus NX 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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U.S. average auto insurance rates for a Lexus NX 300h are $1,282 annually including full coverage. Comprehensive insurance costs on average $242, collision costs $418, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $2,782 or more. Teen drivers pay the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Price estimates by individual coverage:
Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all NX 300h models.
Price Range from Low to High
For the average 40-year-old driver, Lexus NX 300h insurance prices go from as cheap as $514 for just liability insurance to the much higher price of $2,782 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Lexus NX 300h insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $747
- Using higher $1,000 deductibles will save around $150 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,282
- Choosing pricier low deductibles for physical damage coverage costs an additional $290 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,782 or more
- The price with full coverage for a teenage driver for full coverage may cost $4,942 or more
Car insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Lexus NX 300h insurance for high-risk drivers can be around 42% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $440 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2020 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2019 Lexus NX 300h | $280 | $540 | $456 | $1,434 |
| 2017 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2016 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
| 2015 Lexus NX 300h | $236 | $390 | $474 | $1,258 |
Rates are averaged for all Lexus NX 300h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Lexus NX 300h Insurance
Getting lower rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief recap of the concepts that were touched on in this article.
- Drivers who tend to receive serious violations pay on average $1,500 more each year to buy Lexus NX 300h insurance
- Drivers age 20 and younger are expensive to insure, possibly costing $412 a month if comprehensive and collision insurance is included
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $450 each year
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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