Lexus NX 300h Insurance Rates
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UPDATED: Apr 25, 2024
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Estimated insurance rates for a Lexus NX 300h are $1,370 a year for full coverage insurance. Comprehensive insurance costs approximately $268 a year, collision insurance costs $484, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,976 or more. 16-year-old drivers pay the most at up to $5,224 a year.
Average premium for full coverage: $1,370
Premium estimates by type of coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and NX 300h trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus NX 300h range from as low as $510 for minimum levels of liability insurance to a high of $2,976 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why it is important to compare prices using their specific location and risk profile, rather than relying 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.
Additional Rate Details
The chart below illustrates average Lexus NX 300h insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Using higher $1,000 deductibles will save $1,200 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
- Buying low $100 deductibles for physical damage coverage will cost an extra $334 a year
- Drivers with multiple tickets or accidents could pay around $2,976
- An auto insurance policy for full coverage for a teen driver can cost $5,224 or more
Insurance prices for a Lexus NX 300h also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
Opting for high physical damage deductibles could cut prices by as much as $510 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $332 | $668 | $416 | $1,574 |
| 2020 Lexus NX 300h | $320 | $640 | $430 | $1,548 |
| 2019 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2017 Lexus NX 300h | $280 | $540 | $456 | $1,434 |
| 2016 Lexus NX 300h | $268 | $484 | $460 | $1,370 |
| 2015 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
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 Find the Right Lexus NX 300h Insurance
Finding better rates on Lexus NX 300h insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick rundown of the data that was presented in the illustrations above.
- It is possible to save around $160 per year just by quoting early and online
- Drivers who purchase increased liability limits will pay around $510 annually to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $435 per month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,610 more per year to insure a Lexus NX 300h
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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