Lexus NX 300h Insurance Rates

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

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and NX 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples show why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save about $1,132 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,282
• Using low $100 deductibles for physical damage coverage increases the price to $1,572
• Drivers who are prone to accidents and violations could pay at least $2,782
• The cost to insure a teen driver can be $4,942 or more

View Chart as Image

Insurance rates for a Lexus NX 300h can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $440 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents 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 should be prepared to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than a normal 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 $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for More Affordable Lexus NX 300h Insurance

Saving money on car insurance requires having a good driving record, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $150 per year just by quoting early and online
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,500 more every year to buy Lexus NX 300h insurance
• Increasing deductibles could save as much as $450 each year
• Drivers age 20 and younger are charged the highest rates, costing as high as $412 per month if full coverage is included