2023 Lexus NX 450h Car Insurance Calculator

See and learn how different driver, vehicle, and coverage options impact car insurance rates for a 2023 Lexus NX 450h. Play around with factors like vehicle usage, driver gender, marital status, and the state you live in. Know immediately if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2023 Lexus NX 450h is $2,302 per year, or about $192 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,302

Cost Per Month

$192

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus NX 450h Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Lexus NX 450h.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,302
Average Rate
Your Rate
$2,302

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Lexus NX 450h trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Lexus NX 450h is $2,302.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Lexus NX 450h Segment Comparison

The table below compares insurance rates for the 2023 Lexus NX 450h against all other models in the small luxury SUV segment. The Lexus NX 450h is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus NX 450h, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus NX 450h.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Lexus NX 450h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,904-$398
2Cadillac XT4$2,056-$246
3Volvo XC40$2,100-$202
4Lexus UX 250h$2,132-$170
5Mercedes-Benz GLA250$2,212-$90
6Mercedes-Benz GLB 250$2,234-$68
7Lexus NX 250$2,248-$54
8Lexus NX 350h$2,276-$26
9Lexus NX 350$2,290-$12
10Lincoln Corsair$2,292-$10
11Lexus NX 450h$2,302--
12BMW X1$2,310$8
13Alfa Romeo Tonale$2,320$18
14Mercedes-Benz GLC300$2,324$22
15Lexus RZ 450e$2,330$28
16Volvo XC60$2,336$34
17Audi Q3$2,348$46
18Land Rover Evoque$2,364$62
19Volvo C40$2,386$84
20BMW X2$2,428$126
21Infiniti QX55$2,462$160
2023 Small Luxury SUV Average$2,468$166
22Mercedes-Benz GLA35 AMG$2,472$170
23Genesis GV70$2,514$212
24Mercedes-Benz EQB 300$2,526$224
25Genesis GV60$2,534$232
26Mercedes-Benz GLA45 AMG$2,542$240
27Alfa Romeo Stelvio$2,556$254
28Audi Q5$2,574$272
29Land Rover Range Rover Velar$2,582$280
30Mercedes-Benz EQB 350$2,590$288
31BMW X4$2,632$330
32Land Rover Defender$2,644$342
33Jaguar F-Pace$2,656$354
34Audi Q4$2,668$366
35Porsche Macan$2,678$376
36BMW X3$2,684$382
37Jaguar I-Pace$2,840$538
38Aston Martin DBX$4,436$2,134

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 model.

2023 NX 450h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Lexus NX 450h.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Lexus NX 450h Insurance Rates by Trim Level
2023 Lexus NX 450h Trim Level Annual Premium Cost Per Month
Plug-in Hybrid AWD$2,286$191
Plus-in Hybrid F Sport Handling AWD$2,316$193

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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Lexus NX 450h for different driver ages.

2023 Lexus NX 450h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,165$680
17$7,937$661
18$7,165$597
19$6,502$542
20$4,989$416
21$4,759$397
22$4,269$356
23$3,481$290
24$3,302$275
25$2,674$223
30$2,458$205
35$2,362$197
40$2,302$192
45$2,146$179
50$2,034$170
55$1,900$158
60$1,906$159
65$2,032$169
70$2,184$182
75$2,560$213
80$3,158$263

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus NX 450h trim levels.