Lexus NX 300h Insurance Rates

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UPDATED: Apr 25, 2024

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Estimated auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive insurance costs approximately $242, collision costs $418, and liability is $464. Liability-only insurance costs around $514 a year, with high-risk driver insurance costing $2,782 or more. Teen drivers pay the most at $4,942 a year or more.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

Comprehensive $242
Collision $418
Liability $464

Full coverage includes $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different NX 300h trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Lexus NX 300h go from as cheap as $514 for basic liability insurance to a much higher rate of $2,782 for high-risk insurance.

Liability Only $514
Full Coverage $1,282
High Risk $2,782

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price 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.

Rate Comparisons

The chart below shows estimated Lexus NX 300h insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $747
  • Raising to $1,000 deductibles will save $150 a year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,282
  • Choosing more expensive low deductibles costs an additional $290 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,782 or more
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,942

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing full coverage Lexus NX 300h insurance prices range from $747 to $4,942

Insurance prices for a Lexus NX 300h also have a wide range based on the model of your NX 300h, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $440 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

Lexus NX 300h Insurance Rates by State
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%

View Chart as Image

Lexus NX 300h insurance rates by U.S. city

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and prices will be substantially different between companies.

Lexus NX 300h Insurance Rates by Model Year
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 More Affordable Lexus NX 300h Insurance

Finding better rates on insurance for a Lexus NX 300h consists of having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The next list is a summary of the material that was covered above.

  • Insureds who purchase increased levels of liability coverage will pay about $510 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, as much as $412 per month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,500 more per year to buy Lexus NX 300h insurance
  • Increasing policy deductibles could save up to $450 each year

Rates by Driver Age

Lexus NX 300h Insurance 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

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,282
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
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

Lexus NX 300h Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $747

Discounts are estimated and may not be available from every company or in every state.

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