Lexus NX 300h Insurance Rates

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

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and NX 300h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $747
• Raising to $1,000 deductibles will save around $1,132 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,282
• Choosing low $100 deductibles will cost $1,572
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,782
• The price with full coverage for a teen driver may cost $4,942

View Chart as Image

Auto insurance prices for a Lexus NX 300h are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $440 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Right Lexus NX 300h Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the ideas that were covered in the charts and tables above.

• Teens are charged the highest prices, as much as $412 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,500 more each year for NX 300h insurance
• Increasing physical damage deductibles could save up to $450 each year
• It is possible to save as much as $150 per year just by quoting early and online