Lexus NX 300h Insurance Rates

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

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and NX 300h models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below shows average Lexus NX 300h insurance rates for different risk profiles and scenarios.

• The best discount rate is $747
• Using higher $1,000 deductibles will save around $150 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,282
• Using low deductibles for physical damage coverage will cost an additional $290 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,782
• The price that insures a teen driver may cost $4,942 or more

View Chart as Image

Insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see prices 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

Using high physical damage deductibles could cut prices by as much as $440 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus NX 300h Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a summary of the car insurance concepts covered above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,500 more each year than a low-risk driver
• Drivers can save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $450 each year
• Policyholders who require more liability protection will pay an extra $510 each year to increase from a low limit to the 250/500 level