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...
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UPDATED: Apr 25, 2024
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U.S. average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage insurance. Comprehensive insurance costs around $242, collision costs $418, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,782 or more. 16-year-old drivers pay the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all NX 300h models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus NX 300h insurance prices go from as cheap as $514 for just liability coverage to the much higher price of $2,782 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
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.
Detailed Rate Analysis
The chart below illustrates estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $747
- Choosing higher $1,000 deductibles can save about $150 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,282
- Buying pricier low deductibles for comp and collision coverage costs an additional $290 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,782 or more
- The price with full coverage for a 16-year-old driver for full coverage can be $4,942 each year
Insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Lexus NX 300h insurance for high-risk drivers ranges from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Lexus NX 300h insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2020 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2019 Lexus NX 300h | $280 | $540 | $456 | $1,434 |
| 2017 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2016 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
| 2015 Lexus NX 300h | $236 | $390 | $474 | $1,258 |
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
Getting lower rates on insurance for a Lexus NX 300h takes avoiding accidents and claims, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick review of the coverage data raised in the charts and tables above.
- It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $450 each year
- Drivers under the age of 20 pay higher prices, as much as $412 a month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,500 more every year to insure a Lexus NX 300h
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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