Lexus NX 300h Insurance Rates

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UPDATED: Apr 25, 2024

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The average insurance rates for a Lexus NX 300h are $1,282 a year including full coverage. Comprehensive insurance costs approximately $242 a year, collision costs $418, and liability coverage is $464. Liability-only insurance costs around $514 a year, with high-risk driver insurance costing $2,782 or more. Teens cost the most to insure at $4,942 a year or more.

Average premium for full coverage: $1,282

Policy rates by type of insurance:

Comprehensive $242
Collision $418
Liability $464

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and NX 300h trim levels.

Price Range Variability

For the normal driver, Lexus NX 300h insurance rates go from as low as $514 for just liability insurance to a high of $2,782 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

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

The examples above highlight why it is important to compare rates quotes using their 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 Details

The chart below breaks down estimated Lexus NX 300h insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $747
  • Raising to $1,000 deductibles will save $1,132 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,282
  • Selecting low $100 deductibles will cost an extra $290 each year
  • Unlucky drivers with serious driving violations could pay around $2,782 or more
  • Policy cost for full coverage for a teenage driver can cost $4,942

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 rates for a Lexus NX 300h also range considerably based on your risk profile, the model of your NX 300h, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,830 on average in Louisiana, New York, and Michigan.

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 can reduce rates by up to $440 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates will be varied 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 More Affordable Lexus NX 300h Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the car insurance concepts presented in the illustrations above.

  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,500 more per year to insure their NX 300h
  • You may be able to save around $150 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • Consumers who purchase more liability coverage will pay approximately $510 per year to raise from a 30/60 limit 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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