Lexus NX 300h Insurance Rates

Average insurance prices for a Lexus NX 300h are $1,282 every 12 months for full coverage insurance. Comprehensive costs approximately $242 a year, collision insurance costs $418, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,782. Teens receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and NX 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates average Lexus NX 300h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save $1,132 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,282
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,572
• Drivers with serious driving violations could pay around $2,782
• The cost to insure a teen driver can cost $4,942 or more

View Chart as Image

Car insurance rates for a Lexus NX 300h can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your NX 300h.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Lexus NX 300h Insurance

Saving money on car insurance requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the primary concepts that were presented in the illustrations above.

• It is possible to save around $150 per year just by quoting early and online
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,500 more per year to insure their NX 300h
• Increasing deductibles could save as much as $450 each year
• Teen drivers pay the highest auto insurance rates, costing up to $412 per month if the policy includes full coverage