Lexus NX 300h Insurance Rates

Average auto insurance rates for a Lexus NX 300h are $1,282 annually with full coverage. Comprehensive costs an estimated $242 each year, collision insurance costs $418, and liability is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs around $2,782. Teen drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and NX 300h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details average Lexus NX 300h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $747
• Raising to $1,000 deductibles will save approximately $150 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,282
• Choosing low deductibles will cost $1,572
• Drivers with multiple violations and an at-fault accident could pay up to $2,782
• The cost with full coverage for a 16-year-old driver can cost as much as $4,942

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Car insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your driving record, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $440 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus NX 300h insurance prices. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

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How to Buy Cheap Lexus NX 300h Insurance

Saving money on insurance for a Lexus NX 300h consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief summary of the concepts that were covered above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,500 more annually for auto insurance
• Teenage drivers have the highest car insurance rates, with premiums as much as $412 per month if comprehensive and collision insurance is included
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing deductibles could save up to $450 each year
• You may be able to save approximately $150 per year just by quoting online in advance