Lexus NX 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 25, 2024
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Estimated auto insurance rates for a Lexus NX 300h are $1,314 annually for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $446, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, and a high-risk policy costs $2,852 or more. Teenage drivers pay the most at up to $5,046 a year.
Average premium for full coverage: $1,314
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different NX 300h trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus NX 300h range from as cheap as $510 for the bare minimum liability coverage to a much higher rate of $2,852 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average Lexus NX 300h insurance rates for additional coverage and risk scenarios.
- The best discount rate is $762
- Using higher $1,000 deductibles will save $158 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,314
- Using more expensive low deductibles for physical damage coverage costs an additional $308 every year
- Drivers who are prone to accidents and violations could pay around $2,852
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,046 or more
Car insurance prices for a Lexus NX 300h also have a wide range based on the model of your NX 300h, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $470 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$126 | -9.6% |
| Alaska | $1,008 | -$306 | -23.3% |
| Arizona | $1,092 | -$222 | -16.9% |
| Arkansas | $1,314 | -$0 | 0.0% |
| California | $1,498 | $184 | 14.0% |
| Colorado | $1,258 | -$56 | -4.3% |
| Connecticut | $1,352 | $38 | 2.9% |
| Delaware | $1,488 | $174 | 13.2% |
| Florida | $1,644 | $330 | 25.1% |
| Georgia | $1,214 | -$100 | -7.6% |
| Hawaii | $944 | -$370 | -28.2% |
| Idaho | $890 | -$424 | -32.3% |
| Illinois | $978 | -$336 | -25.6% |
| Indiana | $990 | -$324 | -24.7% |
| Iowa | $888 | -$426 | -32.4% |
| Kansas | $1,250 | -$64 | -4.9% |
| Kentucky | $1,794 | $480 | 36.5% |
| Louisiana | $1,946 | $632 | 48.1% |
| Maine | $810 | -$504 | -38.4% |
| Maryland | $1,086 | -$228 | -17.4% |
| Massachusetts | $1,052 | -$262 | -19.9% |
| Michigan | $2,284 | $970 | 73.8% |
| Minnesota | $1,102 | -$212 | -16.1% |
| Mississippi | $1,574 | $260 | 19.8% |
| Missouri | $1,166 | -$148 | -11.3% |
| Montana | $1,412 | $98 | 7.5% |
| Nebraska | $1,038 | -$276 | -21.0% |
| Nevada | $1,576 | $262 | 19.9% |
| New Hampshire | $948 | -$366 | -27.9% |
| New Jersey | $1,470 | $156 | 11.9% |
| New Mexico | $1,164 | -$150 | -11.4% |
| New York | $1,386 | $72 | 5.5% |
| North Carolina | $756 | -$558 | -42.5% |
| North Dakota | $1,076 | -$238 | -18.1% |
| Ohio | $910 | -$404 | -30.7% |
| Oklahoma | $1,352 | $38 | 2.9% |
| Oregon | $1,204 | -$110 | -8.4% |
| Pennsylvania | $1,254 | -$60 | -4.6% |
| Rhode Island | $1,754 | $440 | 33.5% |
| South Carolina | $1,192 | -$122 | -9.3% |
| South Dakota | $1,110 | -$204 | -15.5% |
| Tennessee | $1,152 | -$162 | -12.3% |
| Texas | $1,584 | $270 | 20.5% |
| Utah | $974 | -$340 | -25.9% |
| Vermont | $900 | -$414 | -31.5% |
| Virginia | $788 | -$526 | -40.0% |
| Washington | $1,018 | -$296 | -22.5% |
| West Virginia | $1,204 | -$110 | -8.4% |
| Wisconsin | $910 | -$404 | -30.7% |
| Wyoming | $1,172 | -$142 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $320 | $640 | $430 | $1,548 |
| 2020 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2019 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2017 Lexus NX 300h | $268 | $484 | $460 | $1,370 |
| 2016 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2015 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
Rates are averaged for all Lexus NX 300h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Lexus NX 300h Insurance
Finding better rates on car insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a quick review of the material that was covered in the charts and tables above.
- Policyholders who purchase higher liability limits will pay an extra $510 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers pay the highest auto insurance prices, with premiums being up to $421 per month if comprehensive and collision insurance is included
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,540 more per year for car insurance
- Increasing policy deductibles could save up to $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,040 |
| 30 | $1,360 |
| 40 | $1,314 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,314 |
| 50/100 | $1,406 |
| 100/300 | $1,521 |
| 250/500 | $1,820 |
| 100 CSL | $1,452 |
| 300 CSL | $1,705 |
| 500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,176 |
| 20 | $4,844 |
| 30 | $2,904 |
| 40 | $2,852 |
| 50 | $2,724 |
| 60 | $2,700 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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