Is Your Lexus NX 300H Insurance Expensive? Top Reasons Why

How much are Lexus NX 300H car insurance rates? We break down rates by model year from the base NX 300H 4WD up to the Luxury 4WD trim to see how average prices rank when compared to the rest of the small luxury SUV segment.

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  • Lexus NX 300H car insurance rates average $2,434 per year (about $203 per month) for full coverage, but can vary based on the age of the rated driver.
  • With a car insurance cost range of $130, the cheapest NX 300H model to insure is the 4WD at around $2,368 per year, and the most expensive trim being the Luxury 4WD at $2,498 annually.
  • Ranked 19th out of 25 other models in the small luxury SUV class, car insurance rates for the Lexus NX 300H cost $172 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 $2,434 yearly, or $203 monthly. With the average small luxury SUV costing $2,262 a year to insure, the Lexus NX 300H could cost around $172 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 $1,702 per year for a 60-year-old driver with a deductible of $1,000 to the more expensive rate of $5,770 each year for a 20-year-old driver with $250 physical damage deductibles.

Average 2021 Lexus NX 300H car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Lexus NX 300H car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2021 model year Lexus NX 300H. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 Lexus NX 300H Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,176$348
$500$4,948$412
$250$5,770$481
30-Year-Old$1,000$2,172$181
$500$2,596$216
$250$3,040$253
40-Year-Old$1,000$2,044$170
$500$2,434$203
$250$2,842$237
50-Year-Old$1,000$1,814$151
$500$2,152$179
$250$2,504$209
60-Year-Old$1,000$1,702$142
$500$2,018$168
$250$2,346$196

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 Lexus NX 300H. Updated June 26, 2025

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 Insurance Rates by Trim Level
2021 Lexus NX 300H Trim Level Annual Premium Cost Per Month
4WD$2,368$197
Luxury 4WD$2,498$208

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 June 27, 2025

Insurance cost by trim level for a 2021 Lexus NX 300H ranging from the 4WD model at $2,368 per year to the Luxury 4WD model at $2,498
Insurance cost by trim level for a 2021 Lexus NX 300H ranging from the 4WD model at $2,368 per year to the Luxury 4WD model at $2,498

The next table breaks down average Lexus NX 300H full coverage car insurance policy costs from the 2015 to the 2021 model years.

Lexus NX 300H Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Lexus NX 300H$4,948$2,434$2,018
2020 Lexus NX 300H$4,796$2,360$1,956
2019 Lexus NX 300H$4,096$2,022$1,678
2018 Lexus NX 300H$3,872$1,916$1,590
2017 Lexus NX 300H$3,744$1,856$1,542
2016 Lexus NX 300H$3,480$1,738$1,446
2015 Lexus NX 300H$3,490$1,730$1,444

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 June 27, 2025

Average insurance rates for 2015 to 2021 Lexus NX 300H models for drivers age 20, 40 and 60
Average insurance rates for 2015 to 2021 Lexus NX 300H models for drivers age 20, 40 and 60

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 $268 more per year than the Lexus NX 300, $262 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 $2,434 per year to insure, while the class average insurance cost is $2,262 annually, a difference of $172 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.

Insurance Cost Comparison: Lexus NX 300H vs Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$650
2Cadillac XT4$1,844-$590
3Volvo XC40$1,888-$546
4Lincoln Corsair$2,080-$354
5Lexus UX 250h$2,098-$336
6Volvo XC60$2,120-$314
7Mercedes-Benz GLB 250$2,140-$294
8BMW X1$2,156-$278
9Lexus UX 200$2,158-$276
10Lexus NX 300$2,166-$268
11Mercedes-Benz GLC300$2,172-$262
12Land Rover Defender$2,234-$200
13Mercedes-Benz GLA250$2,248-$186
14Land Rover Evoque$2,254-$180
15BMW X2$2,292-$142
16Audi Q3$2,346-$88
17Audi Q5$2,362-$72
18BMW X3$2,422-$12
19Lexus NX 300H$2,434--
20Mercedes-Benz GLA45 AMG$2,462$28
21Alfa Romeo Stelvio$2,486$52
22BMW X4$2,520$86
23Jaguar F-Pace$2,552$118
24Jaguar I-Pace$2,632$198
25Porsche Macan$2,688$254

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 June 26, 2025

At $2,434 per year, insurance cost for a 2021 Lexus NX 300H ranks 19th out of 25 models in the small luxury SUV segment
At $2,434 per year, insurance cost for a 2021 Lexus NX 300H ranks 19th out of 25 models in the small luxury SUV segment