Comprehensive Guide to Lexus NX 200T Car Insurance Costs for 2025

How much are Lexus NX 200T car insurance rates? We compared average rates from the base NX 200T 2WD up to the F Sport 4WD model to find out how prices stack up against other small luxury SUVs.

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  • Lexus NX 200T car insurance rates average $1,902 per year (about $159 per month) for full coverage, but can vary a lot based on the policy limits.
  • Ranked ninth out of 19 vehicles in the 2017 small luxury SUV segment, average Lexus NX 200T car insurance rates cost $4 less per year than the segment average.
  • The cheapest NX 200T to insure is the 2WD model at an estimated $1,868 per year. The most expensive is the F Sport 4WD at $1,932 annually.

How much does Lexus NX 200T car insurance cost?

Ranked ninth out of 19 vehicles in the small luxury SUV class, Lexus NX 200T insurance costs around $1,902 a year, or around $159 monthly. With the average small luxury SUV costing $1,906 a year to insure, the Lexus NX 200T would save around $4 or more each year.

The chart below breaks down the average cost to insure a 2017 Lexus NX 200T using different combinations of risk and driver age.

Average 2017 Lexus NX 200T insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2017 Lexus NX 200T insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2017 model year Lexus NX 200T with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus NX 200T trim levels.

2017 Lexus NX 200T Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,384$365
Safe Driver Age 20$3,838$320
At-fault Accidents Age 40$2,710$226
Low Deductibles Age 40$2,438$203
Safe Driver Age 30$2,018$168
Safe Driver Age 40$1,902$159
Safe Driver Age 50$1,692$141
High Deductibles Age 40$1,626$136
Safe Driver Age 60$1,584$132
Discount Rate Age 40$1,578$132

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2017 Lexus NX 200T trim levels. Updated June 27, 2025

The table below displays average car insurance rates, including a monthly budget amount, for every 2017 Lexus NX 200T trim level.

2017 Lexus NX 200T Insurance Rates by Trim Level
2017 Lexus NX 200T Trim Level Annual Premium Cost Per Month
2WD$1,868$156
4WD$1,894$158
F Sport 2WD$1,920$160
F Sport 4WD$1,932$161

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 2017 Lexus NX 200T ranging from the 2WD model at $1,868 per year to the F Sport 4WD model at $1,932
Insurance cost by trim level for a 2017 Lexus NX 200T ranging from the 2WD model at $1,868 per year to the F Sport 4WD model at $1,932

The data below shows average annual and semi-annual rates for a Lexus NX 200T for the 2015 to 2017 model years.

Lexus NX 200T Insurance Cost for 2015-2017 Models
Model Year and Vehicle Annual Premium Cost Per Month
2017 Lexus NX 200T$1,902$159
2016 Lexus NX 200T$1,834$153
2015 Lexus NX 200T$1,792$149

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 200T trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2015 to 2017 Lexus NX 200T models
Average annual premium and cost per month to insure 2015 to 2017 Lexus NX 200T models

When buying car insurance, there are a lot of different situations that can affect the rates you pay. The list below shows some of the factors that can affect rates and also some tips and possible discounts to watch for.

  • Your employment could save you a few bucks. Many insurance companies offer discounts for earning a living in occupations like scientists, high school and elementary teachers, doctors, accountants, nurses, architects, and others. If you can qualify for this discount, you could save between $57 and $183 on your annual NX 200T insurance premium, subject to the policy coverages selected.
  • Raise your credit score to score lower rates. Having a credit score above 800 could save around $299 per year over a lower credit score of 670-739. Conversely, a lesser credit score could cost up to $346 more per year.
  • As you get older, rates tend to be cheaper. The difference in insurance rates for a 2017 Lexus NX 200T between a 50-year-old driver ($1,692 per year) and a 30-year-old driver ($2,018 per year) is $326, or a savings of 17.6%.
  • Careless drivers pay higher rates. Having a few at-fault accidents can really raise rates, as much as $2,750 per year for a 20-year-old driver and as much as $600 per year for a 50-year-old driver.
  • Auto insurance is cheaper with higher deductibles. Boosting your deductibles from $500 to $1,000 could save around $276 per year for a 40-year-old driver and $536 per year for a 20-year-old driver.
  • The lower the deductibles, the higher the cost. Decreasing your policy deductibles from $500 to $250 could cost an additional $288 per year for a 40-year-old driver and $572 per year for a 20-year-old driver.

How do NX 200T insurance rates compare?

When insurance prices are compared to other small luxury SUV models, a Lexus NX 200T costs $174 more per year than the Mercedes-Benz GLC300, $22 less than the BMW X3, and $298 more than the Acura RDX.

The Lexus NX 200T ranks ninth out of 19 comparison vehicles in the 2017 small luxury SUV segment for most affordable insurance rates. The NX 200T costs an estimated $1,902 per year for an auto insurance policy with full coverage and the segment average policy cost is $1,906 per year, a difference of only $4 per year.

The table displayed below shows how average Lexus NX 200T car insurance rates compare to the most popular small luxury SUVs in the United States like the Audi Q5, Volvo XC60, and the Lincoln MKC.

Insurance Cost Comparison: Lexus NX 200T vs Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Volvo XC60$1,546-$356
2Acura RDX$1,604-$298
3BMW X1$1,668-$234
4Lincoln MKC$1,680-$222
5Mercedes-Benz GLC300$1,728-$174
6Infiniti QX30$1,738-$164
7Mercedes-Benz GLA250$1,740-$162
8Lexus NX 300H$1,856-$46
9Lexus NX 200T$1,902--
10Audi Q3$1,910$8
11BMW X3$1,924$22
12Land Rover Evoque$1,936$34
13Audi Q5$1,976$74
14BMW X4$2,040$138
15Infiniti QX70$2,090$188
16Mercedes-Benz GLA45 AMG$2,098$196
17Jaguar F-Pace$2,152$250
18Mercedes-Benz GLE550E$2,272$370
19Porsche Macan$2,350$448

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 2017 model year. Updated June 27, 2025

At $1,902 per year, insurance cost for a 2017 Lexus NX 200T ranks ninth out of 19 models in the small luxury SUV segment
At $1,902 per year, insurance cost for a 2017 Lexus NX 200T ranks ninth out of 19 models in the small luxury SUV segment