Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,282 a year including full coverage. Comprehensive costs around $242 a year, collision insurance costs $418, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,782. Teen drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $747
• Drivers who choose higher $1,000 deductibles will pay about $1,132 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,282
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,572
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,782
• The price for full coverage for a teenage driver can be $4,942 a year

View Chart as Image

Insurance prices for a Lexus NX 300h are also quite variable based on your driving record, the model of your NX 300h, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

The state you live in makes a big difference in Lexus NX 300h insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $440 a year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than average. View High Risk Driver Rates

How to Find Cheap Lexus NX 300h Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the car insurance concepts raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations pay on average $1,500 more every year to insure their NX 300h
• You may be able to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $450 each year
• Consumers who may need more liability coverage will pay about $510 per year to go from a low limit to 250/500 limits