Lexus NX 300h Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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.

Average auto insurance rates for a Lexus NX 300h are $1,282 annually for full coverage. Comprehensive insurance costs around $242, collision costs $418, and liability is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing $2,782 or more. Teenage drivers receive the highest rates at $4,942 a year or more.

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Comprehensive $242
Collision $418
Liability $464

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all NX 300h models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $514 for liability-only coverage to the much higher price of $2,782 for a high-risk driver policy.

Liability Only $514
Full Coverage $1,282
High Risk $2,782

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These examples show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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 shows estimated Lexus NX 300h insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $747
  • Raising to $1,000 deductibles will save about $150 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,282
  • Using pricier low deductibles costs an additional $290 annually
  • Drivers who are prone to accidents and violations could pay at least $2,782 or more
  • The cost with full coverage for a 16-year-old driver for full coverage can be $4,942

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing full coverage Lexus NX 300h insurance prices range from $747 to $4,942

Insurance rates for a Lexus NX 300h can also vary considerably based on the trim level of your NX 300h, your driver profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $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 from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $440 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. 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 $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

Lexus NX 300h Insurance Rates by State
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%

View Chart as Image

Lexus NX 300h insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

Lexus NX 300h Insurance Rates by Model Year
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 Buy the Right Lexus NX 300h Insurance

Saving money on insurance for a Lexus NX 300h consists of being a safe and courteous driver, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a quick rundown of the information covered above.

  • Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
  • Teenage drivers are charged the highest rates, costing as high as $412 per month if they have full coverage
  • Increasing deductibles could save up to $450 each year
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,500 more every year for auto insurance
  • Insureds who may need higher levels of liability will pay an extra $510 each year to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Lexus NX 300h Insurance 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

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,282
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
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

Lexus NX 300h Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $747

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles