Lexus NX 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 25, 2024
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U.S. average auto insurance rates for a Lexus NX 300h are $1,282 annually with full coverage. Comprehensive costs around $242 a year, collision costs $418, and liability insurance costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers costing around $2,782. 16-year-old drivers pay the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Price estimates for individual coverage:
Estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and NX 300h trim levels.
Price Range from Low to High
For a 40-year-old driver, Lexus NX 300h insurance prices go from as cheap as $514 for a discount liability-only rate to a high of $2,782 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than congested cities.
The diagram below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $747
- Using higher $1,000 deductibles will save about $1,132 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,282
- Buying low $100 deductibles for physical damage coverage will cost $1,572
- Drivers with multiple tickets or accidents could pay at least $2,782 or more
- The price with full coverage for a teen driver can be $4,942 or more
Insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $440 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
| 2020 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
| 2019 Lexus NX 300h | $280 | $540 | $456 | $1,434 |
| 2017 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
| 2016 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
| 2015 Lexus NX 300h | $236 | $390 | $474 | $1,258 |
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 Buy Low Cost Lexus NX 300h Insurance
Getting lower rates on Lexus NX 300h insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a review of the coverage data illustrated above.
- You may be able to save up to $150 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $450 each year
- Teens pay higher prices, costing up to $412 a month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,500 more every year for NX 300h insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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