Lexus NX 300h Insurance Rates

The average insurance prices for a Lexus NX 300h are $1,282 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $242 each year, collision insurance costs $418, and liability costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs $2,782 or more. Teen 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:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $747
• Drivers who choose higher $1,000 deductibles will pay approximately $150 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,282
• Choosing low deductibles for comprehensive and collision insurance costs an extra $290 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,782
• Policy cost to insure a teen driver can cost as much as $4,942 a year

View Chart as Image

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

Choosing high deductibles could save up to $440 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lexus NX 300h insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Lexus NX 300h Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,500 more annually to insure their NX 300h
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Policyholders who want more liability coverage will pay about $510 annually to go from a 30/60 limit to a 250/500 level