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 costs around $242 each year, collision costs $418, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing around $2,782. Teenage drivers cost the most to insure at $4,942 a year or more.

Average premium for full coverage: $1,282

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and NX 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

More Rate Information

The chart below illustrates estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $747
• Using higher $1,000 deductibles will save about $150 each year
• The average price for a good driver age 40 using $500 deductibles is $1,282
• Using low deductibles for physical damage coverage increases the price to $1,572
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,782 or more
• Policy cost to insure a teenage driver can be $4,942 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $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 at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus NX 300h insurance rates. A driver around age 40 might see rates 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

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for Cheap Lexus NX 300h Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the data raised in the charts and tables above.

• Consumers who may need more liability coverage will pay an extra $510 annually to increase from a 30/60 limit to a 250/500 level
• It is possible to save up to $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Teen drivers are expensive to insure, possibly costing $412 each month if comprehensive and collision insurance is included