Lexus NX 300h Insurance Rates

The average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive costs an estimated $242, collision insurance costs $418, and liability costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs around $2,782. Teen drivers cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Lexus NX 300h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $747
• Using higher $1,000 deductibles will save approximately $150 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,282
• Choosing pricier low deductibles for physical damage coverage will cost $1,572
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,782
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,942 or more

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,100 extra every year, depending on your age. Lexus NX 300h insurance for high-risk drivers can be from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy More Affordable Lexus NX 300h Insurance

Finding cheaper rates on insurance for a Lexus NX 300h requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a summary of the data touched on in the above illustrations.

• Insureds who want higher liability limits will pay about $510 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Teens are charged the highest rates, costing up to $412 each month including comprehensive and collision insurance