Lexus NX 300h Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage insurance. Comprehensive costs approximately $242, collision costs $418, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing around $2,782. 16-year-old drivers pay the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all NX 300h models.
Price Range from Low to High
For the average 40-year-old driver, Lexus NX 300h insurance prices go from the low end price of $514 for minimum levels of liability insurance to the much higher price of $2,782 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.
The example below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why everyone should get quotes using their specific location, 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.
Additional Rate Details
The chart below illustrates estimated Lexus NX 300h insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $747
- Choosing higher $1,000 deductibles can save $150 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,282
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,572
- Higher-risk drivers with multiple tickets or accidents could pay around $2,782 or more
- The price that insures a 16-year-old driver for full coverage can cost $4,942 each year
Auto insurance prices for a Lexus NX 300h are also quite variable based on the model of your NX 300h, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Lexus NX 300h insurance for high-risk drivers ranges from 42% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus NX 300h insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.
| 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 Affordable Lexus NX 300h Insurance
Getting lower rates on insurance for a Lexus NX 300h takes having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a brief review of the data touched on in this article.
- Insureds who purchase increased levels of liability coverage will pay around $510 annually to raise limits from a low limit to the 250/500 level
- It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $450 each year
- Drivers age 20 and younger have the highest car insurance prices, as much as $412 a month if the policy includes full coverage
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
