Lexus NX 300h Insurance Rates
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UPDATED: Apr 25, 2024
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The average insurance rates for a Lexus NX 300h are $1,370 a year for full coverage insurance. Comprehensive costs around $268, collision insurance costs $484, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,976. Teenage drivers cost the most to insure at up to $5,224 a year.
Average premium for full coverage: $1,370
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all NX 300h models.
Price Range Variability
For a 40-year-old driver, Lexus NX 300h insurance rates range from as low as $510 for liability-only coverage to the much higher price of $2,976 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.
The examples above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.
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 Charts and Tables
The chart below illustrates average Lexus NX 300h insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Raising to $1,000 deductibles will save about $170 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,370
- Using pricier low deductibles will increase the cost to $1,704
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,976
- Policy cost for full coverage for a teen driver for full coverage can be $5,224
Insurance rates for a Lexus NX 300h also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $510 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,300 additional every year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than a normal policy. 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 Best Cheap Lexus NX 300h Insurance
Finding cheaper rates on Lexus NX 300h insurance consists of being a good driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a quick review of the information illustrated above.
- It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are charged the highest rates, possibly costing $435 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles can save around $500 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,610 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay an extra $510 annually to raise from a 30/60 limit to 250/500 limits
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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