Lexus NX 300h Insurance Rates

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UPDATED: Apr 25, 2024

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Estimated insurance rates for a Lexus NX 300h are $1,282 a year for full coverage. Comprehensive insurance costs on average $242 a year, collision costs $418, and liability coverage costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing $2,782 or more. Teens 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

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and 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 low as $514 for your basic liability-only policy to a high of $2,782 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences show why it is important to compare prices based on a specific location and risk profile, rather than using averaged prices.

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.

More Rate Information

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

  • The cheapest rate after discounts is $747
  • Using higher $1,000 deductibles will save around $1,132 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,282
  • Selecting low $100 deductibles for physical damage coverage will cost an extra $290 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,782 or more
  • An auto insurance policy for full coverage for a teenage driver may cost $4,942 or more

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

Auto insurance prices for a Lexus NX 300h also have a wide range based on your driving characteristics, the trim level of your NX 300h, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 Find Cheaper Lexus NX 300h Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a condensed summary of the information covered above.

  • Drivers can save as much as $150 per year simply by quoting early and online
  • Teenagers are charged the highest prices, as much as $412 per month if they have full coverage
  • Increasing policy deductibles can save around $450 each year
  • Drivers with multiple at-fault accidents will pay on average $1,500 more each year for car insurance
  • Consumers who require higher liability limits will pay approximately $510 each year to increase from 30/60 bodily injury limits to 250/500 limits

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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