Lexus NX 300h Insurance Rates

Average insurance rates for a Lexus NX 300h are $1,282 a year with full coverage. Comprehensive insurance costs an estimated $242 each year, collision insurance costs $418, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs $2,782 or more. Teenage drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

These examples demonstrate why all drivers should compare prices for a targeted area, rather than using 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
• Using higher $1,000 deductibles will save approximately $150 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,282
• Using low deductibles for physical damage coverage will cost an additional $290 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,782
• The cost that insures a teenage driver can cost as much as $4,942 or more

View Chart as Image

Car insurance rates for a Lexus NX 300h can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates 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 could cut rates by as much as $440 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus NX 300h Insurance

Saving money on auto insurance requires being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Compare prices at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a recap of the data presented in the illustrations above.

• Consumers who want more liability coverage will pay an extra $510 every year to increase from a minimum limit to the 250/500 level
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing deductibles can save approximately $450 each year
• Teen drivers have the highest car insurance rates, with premiums as much as $412 per month if full coverage is purchased