Lexus NX 300h Insurance Rates

Estimated insurance rates for a Lexus NX 300h are $1,282 a year for full coverage insurance. Comprehensive insurance costs approximately $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. Teens pay the most at $4,942 a year or more.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all NX 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Lexus NX 300h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save $150 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,282
• Selecting pricier low deductibles for physical damage coverage will cost an additional $290 each year
• Higher-risk drivers with serious driving violations could pay around $2,782 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $4,942 or more

View Chart as Image

Insurance prices for a Lexus NX 300h also have a wide range based on the model of your NX 300h, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Lexus NX 300h insurance for high-risk drivers can be around 42% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different.

How to Find the Cheapest Lexus NX 300h Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a recap of the concepts that were covered above.

• Drivers that have major violations or accidents could be charged and average of $1,500 more per year for car insurance
• Teenagers are the costliest to insure, with premiums being up to $412 per month if comprehensive and collision insurance is included
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $450 each year
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date