Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $418, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,782 or more. 16-year-old 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 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $747
• Drivers who choose higher $1,000 deductibles will pay around $150 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,282
• Buying low deductibles for comprehensive and collision insurance will cost an extra $290 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,782
• Policy cost for full coverage for a teen driver may cost $4,942 a year

View Chart as Image

Auto insurance rates for a Lexus NX 300h also range considerably based on your risk profile, the trim level of your NX 300h, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in Lexus NX 300h insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $440 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, 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 can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Lexus NX 300h Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a review of the material that was touched on above.

• Policyholders who require increased levels of liability coverage will pay around $510 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are charged the highest rates, costing up to $412 each month if they have full coverage
• Higher risk drivers who have several accidents or serious violations will pay on average $1,500 more each year to buy Lexus NX 300h insurance
• Increasing comprehensive and collision deductibles can save around $450 each year