Lexus NX Car Insurance Cost 2025
The average cost of insuring a Lexus LX is around $1,350 per year. However, this rate can fluctuate depending on factors like your age, the car’s model year, your driving history, and other personal details. To get a more accurate estimate tailored to your situation, you can refer to our quote tables below and compare different insurance options.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Lexus NX typically costs around $1,350 per year, or roughly $113 per month, for a driver with a clean record and standard coverage.
As a luxury compact SUV, the NX blends upscale features with strong safety ratings, which helps keep insurance rates relatively moderate compared to other high-end vehicles.
However, factors like your location, driving history, credit score, and the model year of your Lexus NX can cause premiums to vary. Shopping around and comparing quotes from top insurers is the best way to find the most competitive rate tailored to your unique profile.
How Much Does Lexus NX Car Insurance Cost?
Typically, Lexus NX drivers can secure car insurance at an average rate of $1,350 per year. However, individual premiums may vary based on factors such as driving history, location, and coverage options.
It’s important to understand that car insurance costs can vary widely based on several factors, including location, driving history, vehicle model year, and selected coverage options. A clean driving record can lead to lower premiums, while accidents or traffic violations may increase costs.
Living in an urban area with high traffic congestion can also result in higher insurance rates compared to rural locations with fewer vehicles on the road. Additionally, the level of coverage you choose affects your premium—comprehensive coverage, which includes both collision and comprehensive protection, is generally more expensive than minimum liability coverage.
As shown in the table below, insurance for a Lexus NX is lower than the average cost of all Lexus models. However, it is still higher than the overall average for all cars.
To find the most competitive rates, Insuranceopedia helps you compare quotes from various auto insurance providers, ensuring you get the best deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| Lexus NX | $171 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus NX By Model Year
| Model Year | Average Premium |
| 2025 Lexus NX | $1,331 |
| 2024 Lexus NX | $1,121 |
| 2023 Lexus NX | $1,271 |
| 2022 Lexus NX | $1,078 |
| 2021 Lexus NX | $951 |
| 2020 Lexus NX | $926 |
| 2019 Lexus NX | $793 |
| 2018 Lexus NX | $949 |
| 2017 Lexus NX | $801 |
| 2016 Lexus NX | $793 |
| 2015 Lexus NX | $922 |
2025 Lexus NX Insurance Rates
The average annual insurance cost for a 2025 Lexus NX is $1,331. However, Safeco offers the cheapest rates, averaging $427 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $466 |
| Victoria Insurance | $1,118 |
| Travelers | $1,912 |
| Kemper Auto | $1,454 |
| 21st Century | $1,558 |
| California Capital | $1,898 |
| Safeco | $427 |
| Kemper Auto | $1,808 |
| Nationwide | $674 |
| Unitrin | $1,991 |
2024 Lexus NX Insurance Rates
The average annual insurance cost for a 2024 Lexus NX is $1,121. However, Kemper Auto | Infinity offers the cheapest rates, averaging $254 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $254 |
| Safeco | $407 |
| Plymouth Rock | $444 |
| Nationwide | $642 |
| Victoria | $1,065 |
| Kemper Auto | $1,385 |
| 21st Century | $1,484 |
| California Capital | $1,808 |
| Travelers | $1,821 |
| Unitrin | $1,896 |
2023 Lexus NX Insurance Rates
The average annual insurance cost for a 2023 Lexus NX is $1,271. However, Plymouth Rock offers the cheapest rates, averaging $355 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $355 |
| Safeco | $609 |
| Victoria | $1,039 |
| Nationwide | $1,252 |
| Penn National | $1,417 |
| 21st Century | $1,463 |
| Kemper Auto | $1,554 |
| Dairyland | $1,607 |
| New York Central Mutual Fire | $1,665 |
| Erie | $1,751 |
2022 Lexus NX Insurance Rates
The average annual insurance cost for a 2022 Lexus NX is $1,078. However, Dairyland offers the cheapest rates, averaging $378 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $378 |
| Safeco | $663 |
| Texas Farm Bureau Group | $964 |
| Virginia Farm Bureau | $1,032 |
| Kemper Auto Premier | $1,070 |
| SECURA Insurance | $1,175 |
| Erie | $1,293 |
| Titan | $1,372 |
| Clearcover | $1,382 |
| Nationwide | $1,455 |
2021 Lexus NX Insurance Rates
The average annual insurance cost for a 2021 Lexus NX is $1,078. However, Safeco offers the cheapest rates, averaging $302 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $302 |
| NatGen Custom 360 | $516 |
| National General Value | $703 |
| Texas Farm Bureau Group | $1,030 |
| Mercury Insurance | $1,040 |
| Farm Bureau Mutual (IA Group) | $1,053 |
| SECURA Insurance | $1,119 |
| Virginia Farm Bureau | $1,207 |
| Pekin Insurance | $1,225 |
| Capital Insurance Group | $1,319 |
Find Affordable Lexus NX Insurance Rates
2020 Lexus NX Insurance Rates
The average annual insurance cost for a 2020 Lexus NX is $926. However, Jupiter Auto Insurance offers the cheapest rates, averaging $15 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $15 |
| American National P | $525 |
| Safeco | $560 |
| SafeAuto | $847 |
| Texas Farm Bureau Group | $1,029 |
| SECURA Insurance | $1,200 |
| Safety Group | $1,219 |
| AssuranceAmerica | $1,273 |
| AssuranceAmerica Mobile Max | $1,255 |
| Mercury Insurance | $1,340 |
2019 Lexus NX Insurance Rates
The average annual insurance cost for a 2019 Lexus NX is $926. However, National General Value offers the cheapest rates, averaging $386 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $386 |
| Safeco | $524 |
| American National P | $558 |
| Concord Group | $698 |
| Kemper Personal Insurance | $706 |
| Wolverine Mutual | $885 |
| New Jersey Manufacturers | $1,010 |
| Countryway Insurance | $1,045 |
| Virginia Farm Bureau | $1,040 |
| MMG Insurance Company | $1,079 |
2018 Lexus NX Insurance Rates
The average annual insurance cost for a 2018 Lexus NX is $949. However, Safeco offers the cheapest rates, averaging $249 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $249 |
| SECURA Insurance | $840 |
| Texas Farm Bureau Group | $957 |
| Rockford Mutual Insurance | $959 |
| Pekin Insurance | $1,006 |
| Hastings Mutual Insurance Co | $1,024 |
| West Bend Mutual | $1,064 |
| Rural Mutual Insurance | $1,050 |
| Atlantic States Insurance | $1,118 |
| American Independent Ins Co | $1,222 |
2017 Lexus NX Insurance Rates
The average annual insurance cost for a 2017 Lexus NX is $801. However, Safeco offers the cheapest rates, averaging $252 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $252 |
| Mercury Insurance | $299 |
| Pekin Insurance | $694 |
| Hastings Mutual Insurance Co | $867 |
| Capital Insurance Group | $885 |
| SECURA Insurance | $881 |
| PEMCO | $946 |
| Texas Farm Bureau Group | $987 |
| Rockford Mutual Insurance | $1,069 |
| Tennessee Farmers | $1,125 |
2016 Lexus NX Insurance Rates
The average annual insurance cost for a 2016 Lexus NX is $793. However, Safeco offers the cheapest rates, averaging $294 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $294 |
| American National P | $451 |
| Nodak Mutual | $800 |
| SECURA Insurance | $840 |
| Buckeye Insurance Group | $873 |
| Ohio Mutual Ins Group | $866 |
| Mercury Insurance | $897 |
| Texas Farm Bureau Group | $931 |
| Western Reserve | $948 |
| West Bend Mutual | $1,025 |
2015 Lexus NX Insurance Rates
The average annual insurance cost for a 2015 Lexus NX is $922. However, American National P offers the cheapest rates, averaging $471 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $471 |
| Mercury Insurance | $575 |
| Safeco | $799 |
| Pekin Insurance | $817 |
| SECURA Insurance | $876 |
| Texas Farm Bureau Group | $899 |
| New Jersey Manufacturers | $958 |
| Penn National | $1,250 |
| Southern Farm Bureau | $1,289 |
| Capital Insurance Group | $1,287 |
Find Affordable Lexus NX Insurance Rates
Are Lexus NXs Expensive To Insure?
The Lexus NX is moderately priced to insure compared to other luxury SUVs. Its strong safety ratings, advanced driver-assist features, and reliability help keep insurance costs relatively reasonable. However, premiums can still be higher than average due to its luxury classification and repair costs. Factors like your age, driving history, ZIP code, and chosen coverage will also influence your rate. While it’s not the cheapest vehicle to insure, the NX is generally more affordable than many competing luxury models. Shopping around and taking advantage of available discounts can further lower your premium.
Cheapest Car Insurance Companies For A Lexus NX
The table above presents a shuffled list of the top five cheapest car insurance companies for a Lexus NX, with adjusted annual and monthly costs. These figures are based on national averages for a 35-year-old driver with a clean record, though the actual premiums may vary depending on location, credit score, and coverage levels.
Each insurer listed is known for offering competitive rates. USAA often provides the lowest premiums overall but is only available to military members and their families. State Farm and Geico also rank among the most affordable, offering strong customer satisfaction and reliable coverage. Progressive and Allstate tend to be slightly more expensive, but they may provide better value through bundling or discount opportunities.
| Insurance Company | Average Monthly |
| State Farm | $108 |
| USAA | $95 |
| Allstate | $117 |
| Geico | $100 |
| Progressive | $113 |
Common Lexus NX Insurance Discounts
Discounts can significantly reduce your car insurance costs, and most providers offer various ways to save. Some of the most common discounts include:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can lead to lower rates.
- Annual payment discount: Paying your premium in full rather than in monthly installments may qualify you for savings.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may be available depending on your insurer. Speaking with your insurance agent can help you identify the best savings opportunities for your specific situation.
Ways To Save On Lexus NX Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lexus NX insurance costs. Traffic violations and accidents can lead to higher premiums. For example, Lexus NX drivers with a speeding ticket may pay around $49 per month, while those with multiple accidents could see their rates rise to an average of $80 per month.
Another factor that affects insurance costs is annual mileage. Drivers who log fewer miles are generally considered lower risk, which can lead to savings. Lexus NX owners who drive between 2,501 and 5,000 miles per year typically pay around $66 per month for insurance, whereas those who exceed 10,000 miles annually may pay about $70 per month.
By maintaining a clean driving history and minimizing annual mileage, you can keep your insurance premiums more affordable.
Compare Lexus NX To Other Lexus Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Please note that the figures provided in this guide may differ based on your individual circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus NX?
Yes, you will need to provide proof of insurance before you can drive your Lexus NX off the dealership lot. It’s best to purchase a policy beforehand and inform your insurance company that you’re about to buy your car, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Lexus NX?
The best way to find the cheapest rates for your Lexus NX is to shop around and compare quotes from various auto insurance companies. Luckily, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
