Lexus NX 300h Insurance Rates
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Michelle Robbins
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UPDATED: Apr 25, 2024
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The average insurance prices for a Lexus NX 300h are $1,282 every 12 months including full coverage. Comprehensive insurance costs on average $242 a year, collision costs $418, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $2,782 or more. 16-year-old drivers 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:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and NX 300h trim levels.
Price Range Variability
For the average driver, Lexus NX 300h insurance rates go from the cheapest price of $514 for your basic liability-only policy to a high of $2,782 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how location impacts car insurance rates.
The examples above highlight why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.
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 Information
The chart below breaks down estimated Lexus NX 300h insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $747
- Choosing higher $1,000 deductibles can save around $1,132 every year
- The average price for a good driver age 40 with $500 deductibles is $1,282
- Buying low $100 deductibles for comp and collision coverage costs an extra $290 annually
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,782 or more
- Policy cost to insure a 16-year-old driver may cost $4,942 each year
Insurance rates for a Lexus NX 300h also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your NX 300h.
Opting for high physical damage deductibles can save as much as $440 annually, while buying higher liability limits will cost you more. Changing 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
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $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 likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Lexus NX 300h insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,830 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied.
| 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 Shop for More Affordable Lexus NX 300h Insurance
Finding cheaper rates on insurance for a Lexus NX 300h takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a summary of the primary concepts that were touched on above.
- You may be able to save as much as $150 per year simply by quoting early and online
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,500 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Youthful drivers pay higher rates, with premiums being up to $412 each month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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