Lexus NX 300h Insurance Rates

Average auto insurance rates for a Lexus NX 300h are $1,282 annually including full coverage. Comprehensive costs around $242 a year, collision insurance costs $418, and liability insurance is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs around $2,782. Teenage drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 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 the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down average Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $747
• Raising to $1,000 deductibles will save about $1,132 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,282
• Using low $100 deductibles will cost $1,572
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,782
• The cost with full coverage for a teen driver can be $4,942

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Insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your driving characteristics, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $440 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

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How to Buy Affordable Lexus NX 300h Insurance

Saving money on Lexus NX 300h insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief review of the coverage data raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting early and online
• Increasing deductibles could save up to $450 each year
• Teens are charged the highest rates, as much as $412 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,500 more every year for NX 300h insurance