Lexus NX 300h Insurance Rates

U.S. average insurance prices for a Lexus NX 300h are $1,282 every 12 months for full coverage insurance. Comprehensive insurance costs on average $242, collision insurance costs $418, and liability coverage is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs $2,782 or more. Teenage drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all NX 300h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The example below illustrates how location helps determine car insurance rates.

The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $747
• Raising to $1,000 deductibles will save around $150 each year
• The average price for the average middle-age driver with $500 deductibles is $1,282
• Using pricier low deductibles costs an extra $290 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,782
• The price to insure a teenage driver for full coverage may cost $4,942

View Chart as Image

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

Using high physical damage deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

How to Shop for Cheaper Lexus NX 300h Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date
• Drivers with multiple at-fault accidents pay on average $1,500 more each year to insure their NX 300h
• Increasing physical damage deductibles could save as much as $450 each year
• Teen drivers pay the highest prices, as much as $412 a month if they have full coverage