Lexus NX 300h Insurance Rates

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

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and NX 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

These examples demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below details average Lexus NX 300h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $747
• Raising to $1,000 deductibles will save approximately $1,132 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,282
• Choosing low $100 deductibles costs an extra $290 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,782
• The cost to insure a teen driver can cost as much as $4,942

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Auto insurance rates for a Lexus NX 300h can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $440 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates

Where you live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

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How to Shop for Low Cost Lexus NX 300h Insurance

Saving money on Lexus NX 300h insurance consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the ideas that were touched on in the above illustrations.

• Teen drivers are the costliest to insure, with premiums as much as $412 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,500 more annually to insure their NX 300h
• Increasing deductibles could save as much as $450 each year
• You may be able to save approximately $150 per year just by quoting early and online