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

• Lexus NX 200T car insurance rates average $1,948 per year (about $162 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 $3 less per year than the segment average.
• The cheapest NX 200T to insure is the 2WD model at an estimated $1,910 per year. The most expensive is the F Sport 4WD at $1,974 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 $1,948 a year, or around $162 monthly. With the average small luxury SUV costing $1,951 a year to insure, the Lexus NX 200T would save around $3 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.

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

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

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 $58 and $188 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 $306 per year over a lower credit score of 670-739. Conversely, a lesser credit score could cost up to $355 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 ($1,734 per year) and a 30-year-old driver ($2,072 per year) is $338, or a savings of 17.8%.
• Careless drivers pay higher rates. Having a few at-fault accidents can really raise rates, as much as $2,814 per year for a 20-year-old driver and as much as $614 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 $284 per year for a 40-year-old driver and $552 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 $292 per year for a 40-year-old driver and $584 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 $178 more per year than the Mercedes-Benz GLC300, $22 less than the BMW X3, and $306 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 $1,948 per year for an auto insurance policy with full coverage and the segment average policy cost is $1,951 per year, a difference of only $3 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.