- Lexus NX 250 insurance costs an average of $2,072 per year or around $173 per month, but rates can vary considerably based on driver age.
- Average insurance cost ranges from $2,022 to $2,120 annually for the average driver, depending on the drive train.
- The NX 250 ranks second out of 38 vehicles in the 2024 compact luxury SUV class for car insurance affordability.
How much are Lexus NX 250 car insurance rates?
Lexus NX 250 insurance rates average $2,072 yearly, or around $173 each month. Overall, expect to pay about $469 less annually for Lexus NX 250 insurance when compared to the average insurance rate for small luxury SUVs, and $149 less per year than the overall national average of $2,221 for all vehicles combined.
Average monthly insurance rates range from $169 to $177, with sticker price on the NX 250 ranging from $40,605 to $45,255 for the 2024 model.
The following rate chart shows how NX 250 insurance rates can differ with differences in driver age and physical damage deductibles. The rate values vary from $1,428 per year for a driver age 60 with high deductibles to a high policy cost of $4,858 annually for a 20-year-old driver with low deductibles.
As demonstrated in the chart above, driver age and policy deductible are two factors that have considerable impact on the cost of car insurance.
Another factor that influences the cost is the trim level of the vehicle being insured. In the case of the NX 250, your choice of drive train (2WD or AWD) has a minor effect on price as shown in the table below.
| 2024 Lexus NX 250 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| FWD | $2,022 | $169 |
| AWD | $2,058 | $172 |
| Premium FWD | $2,092 | $174 |
| Premium AWD | $2,120 | $177 |
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
How does Lexus NX 250 car insurance cost rank?
The Lexus NX 250 ranks second out of 38 total vehicles in the small luxury SUV segment for auto insurance affordability. The NX 250 costs an estimated $2,072 per year to insure for full coverage and the segment median price is $2,541 per year, a difference of $469 per year.
When compared side-by-side to some of the more popular models in the segment, auto insurance rates for a Lexus NX 250 cost an average of $692 less per year than the BMW X3, $534 less than the Audi Q5, and $440 less than the Mercedes-Benz GLC300.
The next table ranks car insurance affordability for all 38 models in the 2024 compact SUV segment, with the Lexus NX 250 ranked and highlighted at second.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,958 | -$114 |
| 2 | Lexus NX 250 | $2,072 | -- |
| 3 | Cadillac XT4 | $2,114 | $42 |
| 4 | Lexus NX 350h | $2,210 | $138 |
| 5 | Lincoln Corsair | $2,236 | $164 |
| 6 | Mercedes-Benz GLB 250 | $2,240 | $168 |
| 7 | Lexus UX 250h | $2,246 | $174 |
| 8 | Lexus NX 450h | $2,258 | $186 |
| 9 | Mercedes-Benz GLA250 | $2,282 | $210 |
| 10 | Mercedes-Benz GLA35 AMG | $2,290 | $218 |
| 11 | Land Rover Evoque | $2,336 | $264 |
| 12 | Lexus NX 350 | $2,348 | $276 |
| 13 | Volvo XC40 | $2,356 | $284 |
| 14 | Volvo XC60 | $2,370 | $298 |
| 15 | Alfa Romeo Tonale | $2,376 | $304 |
| 16 | Mercedes-Benz GLA45 AMG | $2,388 | $316 |
| 17 | BMW X1 | $2,420 | $348 |
| 18 | Infiniti QX55 | $2,424 | $352 |
| 19 | Volvo C40 | $2,442 | $370 |
| 20 | BMW X2 | $2,452 | $380 |
| 21 | Lexus RZ 450e | $2,478 | $406 |
| 22 | Mercedes-Benz EQB 300 | $2,492 | $420 |
| 23 | Mercedes-Benz GLC300 | $2,512 | $440 |
| 24 | Mercedes-Benz EQB 350 | $2,552 | $480 |
| 25 | Genesis GV70 | $2,582 | $510 |
| 26 | Audi Q3 | $2,596 | $524 |
| 27 | Audi Q5 | $2,606 | $534 |
| 28 | Alfa Romeo Stelvio | $2,630 | $558 |
| 29 | Land Rover Range Rover Velar | $2,660 | $588 |
| 30 | BMW X4 | $2,712 | $640 |
| 31 | Audi Q4 | $2,736 | $664 |
| 32 | BMW X3 | $2,764 | $692 |
| 33 | Genesis GV60 | $2,848 | $776 |
| 34 | Porsche Macan | $2,894 | $822 |
| 35 | Jaguar I-Pace | $2,926 | $854 |
| 36 | Land Rover Defender | $3,042 | $970 |
| 37 | Jaguar F-Pace | $3,130 | $1,058 |
| 38 | Aston Martin DBX | $4,562 | $2,490 |
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 2024 model year. Updated June 27, 2025
Other rates and interesting insights
Some additional noteworthy insights as they relate to Lexus NX 250 insurance cost include:
- Safer drivers pay lower rates. Causing too many accidents will raise rates, to the tune of $2,894 per year for a 20-year-old driver and as much as $466 per year for a 60-year-old driver.
- High-risk NX 250 insurance is expensive. For a 30-year-old driver, the need to buy a high-risk policy can cause a rate increase of $2,498 or more per year.
- Gender affects car insurance rates. For a 2024 Lexus NX 250, a 20-year-old man pays an average price of $4,132 per year, while a 20-year-old female will pay an average of $2,964, a difference of $1,168 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,830 and the cost for female drivers is $1,790, a difference of only $40.
- Car insurance for teens is expensive. Average rates for full coverage NX 250 insurance costs $7,189 per year for a 16-year-old driver, $7,001 per year for a 17-year-old driver, $6,345 per year for an 18-year-old driver, and $5,757 per year for a 19-year-old driver.
- Avoid tickets to save money. In order to have the cheapest price for NX 250 insurance rates, it’s necessary to be a good, safe driver. In fact, just a few speeding tickets could result in increasing policy cost as much as $534 per year.