Lexus NX 300h Insurance Rates

The average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage insurance. Comprehensive insurance costs an estimated $242 each year, collision insurance costs $418, and liability insurance costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs $2,782 or more. Teenage drivers cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save approximately $150 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,282
• Using low deductibles for physical damage coverage will cost an extra $290 a year
• Drivers who are prone to accidents and violations could pay up to $2,782
• Policy cost for full coverage for a teen driver can cost as much as $4,942 or more

View Chart as Image

Insurance rates for a Lexus NX 300h also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $440 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per 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 $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus NX 300h Insurance

Finding cheaper rates on Lexus NX 300h insurance requires being a good driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the data touched on in the above illustrations.

• Drivers who want an increased level of liability coverage will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers age 16 to 20 are charged the highest rates, possibly costing $412 each month for full coverage