Lexus NX 300h Insurance Rates

Estimated auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive costs on average $242 each year, collision insurance costs $418, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,782. Teenage drivers pay the most at up to $4,942 a year.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and NX 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

These rate differences show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below shows average Lexus NX 300h insurance rates for different risk profiles and scenarios.

• The best discount rate is $747
• Choosing higher $1,000 deductibles can save around $150 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,282
• Using low deductibles for comp and collision coverage will cost $1,572
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,782
• An auto insurance policy with full coverage for a teen driver may cost $4,942 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards 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 at a minimum $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $440 every year, whereas increasing liability limits will cost you more. 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 plays a big part in determining prices for Lexus NX 300h insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheaper Lexus NX 300h Insurance

Finding better rates on car insurance takes being safe and accident-free, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by quoting rates from direct carriers, and also from local insurance agents.

Below you'll find a condensed summary of the material that was illustrated above.

• Policyholders who require more liability protection will pay an extra $510 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers pay higher prices, as much as $412 per month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,500 more each year than a low-risk driver
• Increasing policy deductibles could save up to $450 each year