Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,370 every 12 months for full coverage insurance. Comprehensive costs on average $268 a year, collision insurance costs $484, and liability coverage is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,976. Teen drivers cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and NX 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $790
• Raising to $1,000 deductibles will save around $1,200 each year
• The average price for a good driver age 40 with $500 deductibles is $1,370
• Choosing low $100 deductibles increases the price to $1,704
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,976
• Policy cost to insure a teenage driver may cost $5,224

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $510 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $5,200 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 a minimum $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Cheapest Lexus NX 300h Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct insurance companies, and also from several local insurance agents.

Below you'll find a recap of the coverage data covered in the charts and tables above.

• It is possible to save as much as $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Youthful drivers are expensive to insure, possibly costing $435 each month if the policy includes full coverage
• Drivers that have major violations or accidents pay on average $1,610 more each year than a low-risk driver