Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus NX 300h? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus NX 300h car insurance facts

  • Average full coverage auto insurance premium: $163/month

  • Most affordable companies: GEICO ($108/month) & State Farm ($112/month)

  • NX 300h car insurance cost vs. average rates: $59 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus NX 300h by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Lexus NX 300h insurer costs by state:

Risk factors affecting Lexus NX 300h coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus NX 300h insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus NX 300h repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus NX 300h affecting auto policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1819
Allstate$1926
Auto-Owners$2147
Cincinnati Insurance$2347
Direct Auto$2290
Erie Insurance$1619
GEICO$1306
Kentucky Farm Bureau$2216
Liberty Mutual$1863
Mercury$1735
MetLife$2530
Nationwide$1487
Plymouth Rock$2318
Progressive$2046
Safe Auto$2549
State Farm$1356
Tennessee Farmers$1408
Texas Farm Bureau$1794
Travelers$1541

Compare all 2021 Lexus NX 300h rates

Average Cost to Insure Per Year

$1953

List Price

$40160

Trims Available

Base - Base Engine: 2.5 L 2AR-FXE engine mated to an electric motor and CVT at 194 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2020 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1756
Allstate$1897
Auto-Owners$2040
Erie Insurance$1456
Farmers$2160
GEICO$1236
Liberty Mutual$1839
Mercury$1577
MetLife$2490
Nationwide$1356
Progressive$1988
State Farm$1270
Tennessee Farmers$1336
Texas Farm Bureau$1694
The Hanover$2357
Travelers$1391

Compare all 2020 Lexus NX 300h rates

Average Cost to Insure Per Year

$1890

List Price

$39420

Trims Available

Base - Base Engine: 2.5 L 2AR-FXE engine mated to an electric motor and CVT at 194 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1720
Allstate$1835
Auto-Owners$2019
Erie Insurance$1530
GEICO$1186
Kentucky Farm Bureau$2206
Liberty Mutual$1792
Mercury$1643
MetLife$2480
Nationwide$1334
Progressive$1964
State Farm$1248
Tennessee Farmers$1309
Texas Farm Bureau$1697
The Hanover$2349
Travelers$1452

Compare all 2019 Lexus NX 300h rates

Average Cost to Insure Per Year

$1830

List Price

$38835

Trims Available

Base - Base Engine: 2.5 L 2AR-FXE engine mated to an electric motor and CVT at 194 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1288
Acuity$ 1288
Allied$ 1142
Allied$ 1142
Arbella$ 1275
Arbella$ 1275
Country$ 1372
Country$ 1372
Erie$ 1004
Erie$ 1004
Mercury$ 1402
Mercury$ 1402
Nationwide$ 1313
Nationwide$ 1313
Plymouth Rock Insurance$ 1308
Plymouth Rock Insurance$ 1308
Progressive$ 1515
Progressive$ 1515
Tennessee Farmers$ 962
Tennessee Farmers$ 962
USAA$ 1331
USAA$ 1331
Vermont Mutual$ 1245
Vermont Mutual$ 1245

Compare all 2018 Lexus NX 300h rates

Average Cost to Insure Per Year

$ 1704

List Price

$ 38335

Trims Available

Base

2017 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1287
Acuity$ 1287
Allied$ 1160
Allied$ 1160
Arbella$ 1259
Arbella$ 1259
Country$ 1362
Country$ 1362
Erie$ 973
Erie$ 973
Mercury$ 1373
Mercury$ 1373
Nationwide$ 1336
Nationwide$ 1336
Plymouth Rock Insurance$ 1271
Plymouth Rock Insurance$ 1271
Tennessee Farmers$ 962
Tennessee Farmers$ 962
Texas Farm Bureau$ 1062
Texas Farm Bureau$ 1062
USAA$ 1336
USAA$ 1336
Vermont Mutual$ 1215
Vermont Mutual$ 1215

Compare all 2017 Lexus NX 300h rates

Average Cost to Insure Per Year

$ 1340

List Price

$ 39720

Trims Available

Base

2016 Lexus NX 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1279
Acuity$ 1279
Allied$ 1173
Allied$ 1173
Arbella$ 1275
Arbella$ 1275
Country$ 1353
Country$ 1353
Erie$ 939
Erie$ 939
Mercury$ 1357
Mercury$ 1357
Nationwide$ 1355
Nationwide$ 1355
Plymouth Rock Insurance$ 1237
Plymouth Rock Insurance$ 1237
Tennessee Farmers$ 942
Tennessee Farmers$ 942
Texas Farm Bureau$ 1066
Texas Farm Bureau$ 1066
USAA$ 1350
USAA$ 1350
Vermont Mutual$ 1207
Vermont Mutual$ 1207

Compare all 2016 Lexus NX 300h rates

Average Cost to Insure Per Year

$ 1321

List Price

$ 39720

Trims Available

Base