Lexus NX 300h Insurance Rates

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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:

Comprehensive $250
Collision $446
Liability $460

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.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

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.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

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

View Chart as Image

Lexus NX 300h insurance cost comparison chart
Column chart showing full coverage Lexus NX 300h insurance rates range from $762 to $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.

Lexus NX 300h Insurance Rates by State
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%

View Chart as Image

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

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.

Lexus NX 300h Insurance Rates by Model Year
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

Rates by Driver Age

Lexus NX 300h Insurance 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

Lexus NX 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Lexus NX 300h Insurance Rates with Different Liability Limits
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

Lexus NX 300h Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $762

Discounts are estimated and may not be available from every company or in every state.

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