Lexus NX 300h Insurance Rates

Estimated insurance prices for a Lexus NX 300h are $1,282 every 12 months with full coverage. Comprehensive costs approximately $242 each year, collision insurance costs $418, and liability insurance is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs around $2,782. Teen drivers pay the most at up to $4,942 a year.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and NX 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $747
• Raising to $1,000 deductibles will save $150 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,282
• Choosing low deductibles increases the price to $1,572
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,782
• An auto insurance policy to insure a teen driver can cost $4,942

View Chart as Image

Insurance prices for a Lexus NX 300h also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your NX 300h.

Choosing high deductibles can reduce prices by up to $440 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Right Lexus NX 300h Insurance

Finding better rates on Lexus NX 300h insurance consists of not taking risks behind the wheel, having above-average credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates every year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following is a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save around $150 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $450 each year
• Teens are the costliest to insure, possibly costing $412 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,500 more per year for NX 300h insurance