Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,314 every 12 months for full coverage insurance. Comprehensive costs around $250, collision insurance costs $446, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,852. 16-year-old drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates average Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $762
• Raising to $1,000 deductibles will save about $158 each year
• The average price for a good driver age 40 using $500 deductibles is $1,314
• Buying more expensive low deductibles increases the price to $1,622
• At-risk drivers with multiple tickets or accidents could pay at least $2,852
• Policy cost to insure a teen driver with full coverage can be $5,046

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Insurance rates for a Lexus NX 300h also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Low Cost Lexus NX 300h Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a review of the data presented in the illustrations above.

• Policyholders who may need higher liability limits will pay around $510 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save up to $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenagers pay higher rates, possibly costing $421 each month if they have full coverage