Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive costs around $242, collision costs $418, and liability insurance is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing around $2,782. Teenage drivers cost the most to insure at $4,942 a year or more.

Average premium for full coverage: $1,282

Policy rates for type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $747
• Raising to $1,000 deductibles will save about $150 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,282
• Using more expensive low deductibles will increase the cost to $1,572
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,782 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,942

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $440 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each 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 least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find the Cheapest Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a recap of the data that was illustrated above.

• Drivers can save up to $150 per year simply by shopping early and online
• Drivers who may need increased liability limits will pay an extra $510 each year to raise from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, costing up to $412 each month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents may be required to pay an average of $1,500 more every year to insure a Lexus NX 300h