Lexus NX 300h Insurance Rates

Average insurance rates for a Lexus NX 300h are $1,282 a year including full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $418, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,782 or more. Teens receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save around $150 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,282
• Selecting low deductibles for physical damage coverage will cost an extra $290 annually
• High-risk insureds with serious driving violations could pay upwards of $2,782
• The cost for full coverage for a 16-year-old driver may cost $4,942 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

Where you live has a huge impact on Lexus NX 300h insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than the average policy. View High Risk Driver Rates

How to Find Cheap Lexus NX 300h Insurance

Saving money on insurance for a Lexus NX 300h requires being a low-risk driver, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief summary of the coverage data touched on in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing deductibles can save around $450 each year
• Teen drivers pay the highest rates, as much as $412 per month for full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,500 more each year to insure their NX 300h