How Much Does Lexus NX 250 Insurance Cost?

Is car insurance for a Lexus NX 250 expensive?

We looked at average rates from the 2WD model up to the Luxury AWD trim level to discover how NX 250 insurance prices rank when compared to the small luxury SUV segment.

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  • Lexus NX 250 insurance costs an average of $1,740 per year or around $145 per month, but rates can vary considerably based on driver age.
  • Average insurance cost ranges from $1,674 to $1,800 annually for the average driver, depending on the drive train.
  • The NX 250 ranks seventh out of 37 vehicles in the 2023 compact luxury SUV class for car insurance affordability.

How much are Lexus NX 250 car insurance rates?

Lexus NX 250 insurance rates average $1,740 yearly, or around $145 each month. Overall, expect to pay about $169 less annually for Lexus NX 250 insurance when compared to the average insurance rate for small luxury SUVs, and $55 more per year than the overall national average of $1,685 for all vehicles combined.

Average monthly insurance rates range from $140 to $150, with sticker price on the NX 250 ranging from $39,755 to $47,505 for the 2023 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 $1,306 per year for a driver age 60 with high deductibles to a high policy cost of $4,064 annually for a 20-year-old driver with low deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Lexus NX 250 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus NX 250 trim levels.Data last updated on December 30, 2022
Lexus NX 250 Car Insurance Rates
2023 Lexus NX 250 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,912$243
$500$3,472$289
$250$4,064$339
30$1,000$1,530$128
$500$1,840$153
$250$2,164$180
40$1,000$1,454$121
$500$1,740$145
$250$2,036$170
50$1,000$1,330$111
$500$1,586$132
$250$1,852$154
60$1,000$1,306$109
$500$1,558$130
$250$1,820$152

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.

2023 Lexus NX 250 Insurance Cost by Trim Level
Lexus NX 250 Trim Level Annual Policy Six-Month Policy Per Month
2WD$1,674$837$140
AWD$1,704$852$142
Premium 2WD$1,730$865$144
Premium AWD$1,756$878$146
Luxury 2WD$1,780$890$148
Luxury AWD$1,800$900$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lexus NX 250, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Lexus NX 250 Insurance Cost by Trim Level

How does Lexus NX 250 car insurance cost rank?

The Lexus NX 250 ranks seventh out of 37 total vehicles in the small luxury SUV segment for auto insurance affordability. The NX 250 costs an estimated $1,740 per year to insure for full coverage and the segment median price is $1,909 per year, a difference of $169 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 $336 less per year than the BMW X3, $250 less than the Audi Q5, and $58 less than the Mercedes-Benz GLC300.

The next table ranks car insurance affordability for all 37 models in the 2023 compact SUV segment, with the Lexus NX 250 ranked and highlighted at seventh.

Insurance Cost Comparison: Lexus NX 250 vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,472-$268
2Cadillac XT4$1,592-$148
3Volvo XC40$1,622-$118
4Lexus UX 250h$1,650-$90
5Mercedes-Benz GLA250$1,712-$28
6Mercedes-Benz GLB 250$1,718-$22
7Lexus NX 250$1,740--
8Lexus NX 350h$1,760$20
9Lexus NX 350$1,770$30
10Lincoln Corsair$1,772$32
11Lexus NX 450h$1,776$36
12BMW X1$1,788$48
13Alfa Romeo Tonale$1,790$50
14Mercedes-Benz GLC300$1,798$58
15Lexus RZ 450e$1,802$62
16Volvo XC60$1,806$66
17Audi Q3$1,820$80
18Land Rover Evoque$1,828$88
19Volvo C40$1,846$106
20Infiniti QX55$1,908$168
21Mercedes-Benz GLA35 AMG$1,914$174
22Genesis GV70$1,944$204
23Mercedes-Benz EQB 300$1,954$214
24Genesis GV60$1,958$218
25Mercedes-Benz GLA45 AMG$1,968$228
26Alfa Romeo Stelvio$1,978$238
27Audi Q5$1,990$250
28Land Rover Range Rover Velar$1,996$256
29Mercedes-Benz EQB 350$2,000$260
30BMW X4$2,038$298
31Land Rover Defender$2,044$304
32Jaguar F-Pace$2,054$314
33Audi Q4$2,066$326
34Porsche Macan$2,070$330
35BMW X3$2,076$336
36Jaguar I-Pace$2,194$454
37Aston Martin DBX$3,424$1,684

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on December 30, 2022
Insurance Cost Comparison: Lexus NX 250 vs Small Luxury SUVs

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 $2,444 per year for a 20-year-old driver and as much as $524 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 $2,124 or more per year.
  • Gender affects car insurance rates. For a 2023 Lexus NX 250, a 20-year-old man pays an average price of $3,472 per year, while a 20-year-old female will pay an average of $2,560, a difference of $912 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,586 and the cost for female drivers is $1,554, a difference of only $32.
  • Car insurance for teens is expensive. Average rates for full coverage NX 250 insurance costs $6,180 per year for a 16-year-old driver, $5,804 per year for a 17-year-old driver, $5,430 per year for an 18-year-old driver, and $4,932 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 $456 per year.