Lexus NX 300h Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 25, 2024
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Average insurance rates for a Lexus NX 300h are $1,282 a year for full coverage insurance. Comprehensive costs on average $242, collision costs $418, and liability coverage is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing around $2,782. Teen drivers receive the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Rate estimates by individual coverage type:
Rate estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all NX 300h models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $514 for liability-only coverage to the much higher price of $2,782 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how location helps determine car insurance rates.
These examples illustrate why everyone should compare rates quotes based on a specific location, rather than using price 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 Charts and Tables
The chart below illustrates estimated Lexus NX 300h insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $747
- Raising to $1,000 deductibles will save around $150 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,282
- Choosing pricier low deductibles bumps up the cost to $1,572
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,782 or more
- The cost that insures a teenage driver for full coverage may cost $4,942
Insurance rates for a Lexus NX 300h can also vary considerably based on the model of your NX 300h, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Lexus NX 300h insurance for high-risk drivers is expensive and can cost around 42% to 130% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age
Where you live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can reduce rates by up to $440 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly 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 the Best Lexus NX 300h Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief recap of the data that was covered in the charts and tables above.
- It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Consumers who require higher liability limits will pay about $510 annually to raise from a minimum limit to the 250/500 level
- Teens pay higher rates, costing up to $412 per month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may pay on average $1,500 more each year for NX 300h insurance
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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