Lexus NX 300h Insurance Rates

U.S. average insurance rates for a Lexus NX 300h are $1,314 a year for full coverage insurance. Comprehensive costs around $250, collision insurance costs $446, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,852. 16-year-old drivers pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical 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 car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $762
• Raising to $1,000 deductibles will save about $158 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,314
• Buying pricier low deductibles bumps up the cost to $1,622
• Unlucky drivers with multiple tickets or accidents could pay at least $2,852
• The price that insures a teenage driver for full coverage can be $5,046

View Chart as Image

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 deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost around 44% to 136% 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 only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

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 $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $470 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus NX 300h Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop every couple of years by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a review of the material that was presented in the illustrations above.

• Consumers who may need more liability coverage will pay around $510 annually to raise from a low limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $421 a month if the policy includes full coverage
• Drivers who have several accidents or serious violations could be forced to pay on average $1,540 more every year to insure their NX 300h
• Increasing physical damage deductibles can save approximately $475 each year