- Lexus NX 300H car insurance rates average $2,492 per year (about $208 per month) for full coverage, but can vary based on the age of the rated driver.
- With a car insurance cost range of $134, the cheapest NX 300H model to insure is the 4WD at around $2,426 per year, and the most expensive trim being the Luxury 4WD at $2,560 annually.
- Ranked 19th out of 25 other models in the small luxury SUV class, car insurance rates for the Lexus NX 300H cost $176 more per year than the average cost for the segment.
How much does Lexus NX 300H car insurance cost?
Ranked 19th out of 25 vehicles in the 2021 small luxury SUV class, Lexus NX 300H insurance rates average $2,492 yearly, or $208 monthly. With the average small luxury SUV costing $2,316 a year to insure, the Lexus NX 300H could cost around $176 more per year than the segment average.
The next chart demonstrates how Lexus NX 300H insurance rates can change depending on driver age and a range of policy deductibles. The rate estimates vary from the cheapest policy cost of $1,742 per year for a 60-year-old driver with a deductible of $1,000 to the more expensive rate of $5,912 each year for a 20-year-old driver with $250 physical damage deductibles.
The rate table below displays the estimated annual and 6-month policy costs, including a monthly amount for budgeting, for each Lexus NX 300H package and trim level.
| 2021 Lexus NX 300H Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 4WD | $2,426 | $202 |
| Luxury 4WD | $2,560 | $213 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
The next table breaks down average Lexus NX 300H full coverage car insurance policy costs from the 2015 to the 2021 model years.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 Lexus NX 300H | $5,070 | $2,492 | $2,066 |
| 2020 Lexus NX 300H | $4,914 | $2,416 | $2,002 |
| 2019 Lexus NX 300H | $4,192 | $2,072 | $1,720 |
| 2018 Lexus NX 300H | $3,966 | $1,962 | $1,632 |
| 2017 Lexus NX 300H | $3,836 | $1,898 | $1,580 |
| 2016 Lexus NX 300H | $3,564 | $1,780 | $1,482 |
| 2015 Lexus NX 300H | $3,574 | $1,770 | $1,480 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lexus NX 300H trim levels for each model year. Updated October 24, 2025
Does NX 300H insurance cost more than similar vehicles?
When compared to other vehicles in the small luxury SUV class, Lexus NX 300H car insurance costs $274 more per year than the Lexus NX 300, $266 more than the Mercedes-Benz GLC300, and $12 more than the BMW X3.
The Lexus NX 300H ranks 19th out of 25 total comparison vehicles in the small luxury SUV segment for auto insurance affordability. The NX 300H costs an average of $2,492 per year to insure, while the class average insurance cost is $2,316 annually, a difference of $176 per year.
The following table shows how NX 300H insurance rates compare to the top-selling small luxury SUVs like the Acura RDX, Audi Q5, and the Volvo XC60.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,828 | -$664 |
| 2 | Cadillac XT4 | $1,890 | -$602 |
| 3 | Volvo XC40 | $1,932 | -$560 |
| 4 | Lincoln Corsair | $2,132 | -$360 |
| 5 | Lexus UX 250h | $2,148 | -$344 |
| 6 | Volvo XC60 | $2,172 | -$320 |
| 7 | Mercedes-Benz GLB 250 | $2,192 | -$300 |
| 8 | BMW X1 | $2,206 | -$286 |
| 9 | Lexus UX 200 | $2,210 | -$282 |
| 10 | Lexus NX 300 | $2,218 | -$274 |
| 11 | Mercedes-Benz GLC300 | $2,226 | -$266 |
| 12 | Land Rover Defender | $2,288 | -$204 |
| 13 | Mercedes-Benz GLA250 | $2,300 | -$192 |
| 14 | Land Rover Evoque | $2,308 | -$184 |
| 15 | BMW X2 | $2,346 | -$146 |
| 16 | Audi Q3 | $2,404 | -$88 |
| 17 | Audi Q5 | $2,418 | -$74 |
| 18 | BMW X3 | $2,480 | -$12 |
| 19 | Lexus NX 300H | $2,492 | -- |
| 20 | Mercedes-Benz GLA45 AMG | $2,520 | $28 |
| 21 | Alfa Romeo Stelvio | $2,546 | $54 |
| 22 | BMW X4 | $2,582 | $90 |
| 23 | Jaguar F-Pace | $2,614 | $122 |
| 24 | Jaguar I-Pace | $2,694 | $202 |
| 25 | Porsche Macan | $2,752 | $260 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2021 model year. Updated October 24, 2025
