Lexus NX 300h Insurance Rates
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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...
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UPDATED: Apr 25, 2024
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Estimated insurance rates for a Lexus NX 300h are $1,314 a year including full coverage. Comprehensive costs on average $250, collision costs $446, and liability coverage is $460. A policy with only liability insurance costs around $510 a year, with a high-risk policy costing around $2,852. Teens pay the most at $5,046 a year or more.
Average premium for full coverage: $1,314
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all NX 300h models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus NX 300h go from the low end price of $510 for minimum levels of liability insurance to the much higher price of $2,852 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change car insurance rates.
These rate differences highlight why everyone should compare rates quotes based on a specific location, rather than using averaged prices.
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 breaks down estimated Lexus NX 300h insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $762
- Raising to $1,000 deductibles will save around $158 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,314
- Selecting pricier low deductibles bumps up the cost to $1,622
- Unlucky drivers with serious driving violations could pay upwards of $2,852 or more
- An auto insurance policy that insures a teenage driver for full coverage may cost $5,046
Car insurance prices for a Lexus NX 300h also have a wide range based on the model of your NX 300h, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra annually, 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 policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
Where you choose to live also has a big influence on Lexus NX 300h insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,188 | -$126 | -9.6% |
Alaska | $1,008 | -$306 | -23.3% |
Arizona | $1,092 | -$222 | -16.9% |
Arkansas | $1,314 | -$0 | 0.0% |
California | $1,498 | $184 | 14.0% |
Colorado | $1,258 | -$56 | -4.3% |
Connecticut | $1,352 | $38 | 2.9% |
Delaware | $1,488 | $174 | 13.2% |
Florida | $1,644 | $330 | 25.1% |
Georgia | $1,214 | -$100 | -7.6% |
Hawaii | $944 | -$370 | -28.2% |
Idaho | $890 | -$424 | -32.3% |
Illinois | $978 | -$336 | -25.6% |
Indiana | $990 | -$324 | -24.7% |
Iowa | $888 | -$426 | -32.4% |
Kansas | $1,250 | -$64 | -4.9% |
Kentucky | $1,794 | $480 | 36.5% |
Louisiana | $1,946 | $632 | 48.1% |
Maine | $810 | -$504 | -38.4% |
Maryland | $1,086 | -$228 | -17.4% |
Massachusetts | $1,052 | -$262 | -19.9% |
Michigan | $2,284 | $970 | 73.8% |
Minnesota | $1,102 | -$212 | -16.1% |
Mississippi | $1,574 | $260 | 19.8% |
Missouri | $1,166 | -$148 | -11.3% |
Montana | $1,412 | $98 | 7.5% |
Nebraska | $1,038 | -$276 | -21.0% |
Nevada | $1,576 | $262 | 19.9% |
New Hampshire | $948 | -$366 | -27.9% |
New Jersey | $1,470 | $156 | 11.9% |
New Mexico | $1,164 | -$150 | -11.4% |
New York | $1,386 | $72 | 5.5% |
North Carolina | $756 | -$558 | -42.5% |
North Dakota | $1,076 | -$238 | -18.1% |
Ohio | $910 | -$404 | -30.7% |
Oklahoma | $1,352 | $38 | 2.9% |
Oregon | $1,204 | -$110 | -8.4% |
Pennsylvania | $1,254 | -$60 | -4.6% |
Rhode Island | $1,754 | $440 | 33.5% |
South Carolina | $1,192 | -$122 | -9.3% |
South Dakota | $1,110 | -$204 | -15.5% |
Tennessee | $1,152 | -$162 | -12.3% |
Texas | $1,584 | $270 | 20.5% |
Utah | $974 | -$340 | -25.9% |
Vermont | $900 | -$414 | -31.5% |
Virginia | $788 | -$526 | -40.0% |
Washington | $1,018 | -$296 | -22.5% |
West Virginia | $1,204 | -$110 | -8.4% |
Wisconsin | $910 | -$404 | -30.7% |
Wyoming | $1,172 | -$142 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2021 Lexus NX 300h | $320 | $640 | $430 | $1,548 |
2020 Lexus NX 300h | $304 | $618 | $442 | $1,522 |
2019 Lexus NX 300h | $292 | $574 | $452 | $1,476 |
2017 Lexus NX 300h | $268 | $484 | $460 | $1,370 |
2016 Lexus NX 300h | $250 | $446 | $460 | $1,314 |
2015 Lexus NX 300h | $242 | $418 | $464 | $1,282 |
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 Cheap Lexus NX 300h Insurance
Finding better rates on auto insurance consists of being a good driver, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief summary of the information illustrated above.
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, with the cost nearing $421 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $475 each year
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,540 more each year than a safer driver
- Consumers who require an increased level of liability coverage will pay approximately $510 per year to raise from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,046 |
20 | $3,040 |
30 | $1,360 |
40 | $1,314 |
50 | $1,204 |
60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,622 |
$250 | $1,478 |
$500 | $1,314 |
$1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,314 |
50/100 | $1,406 |
100/300 | $1,521 |
250/500 | $1,820 |
100 CSL | $1,452 |
300 CSL | $1,705 |
500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,176 |
20 | $4,844 |
30 | $2,904 |
40 | $2,852 |
50 | $2,724 |
60 | $2,700 |
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 | $69 |
Multi-vehicle | $71 |
Homeowner | $21 |
5-yr Accident Free | $93 |
5-yr Claim Free | $85 |
Paid in Full/EFT | $57 |
Advance Quote | $64 |
Online Quote | $92 |
Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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