- Lexus NX 250 insurance costs an average of $1,786 per year or around $149 per month, but rates can vary considerably based on driver age.
- Average insurance cost ranges from $1,716 to $1,848 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 $1,786 yearly, or around $149 each month. Overall, expect to pay about $174 less annually for Lexus NX 250 insurance when compared to the average insurance rate for small luxury SUVs, and $58 more per year than the overall national average of $1,728 for all vehicles combined.
Average monthly insurance rates range from $143 to $154, 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 $1,342 per year for a driver age 60 with high deductibles to a high policy cost of $4,172 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.
| Lexus NX 250 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| 2WD | $1,716 | $858 | $143 |
| AWD | $1,746 | $873 | $146 |
| Premium 2WD | $1,774 | $887 | $148 |
| Premium AWD | $1,800 | $900 | $150 |
| Luxury 2WD | $1,824 | $912 | $152 |
| Luxury AWD | $1,848 | $924 | $154 |
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 $1,786 per year to insure for full coverage and the segment median price is $1,960 per year, a difference of $174 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 $346 less per year than the BMW X3, $256 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,508 | -$278 |
| 2 | Cadillac XT4 | $1,634 | -$152 |
| 3 | Volvo XC40 | $1,664 | -$122 |
| 4 | Lexus UX 250h | $1,694 | -$92 |
| 5 | Mercedes-Benz GLA250 | $1,756 | -$30 |
| 6 | Mercedes-Benz GLB 250 | $1,762 | -$24 |
| 7 | Lexus NX 250 | $1,786 | -- |
| 8 | Lexus NX 350h | $1,806 | $20 |
| 9 | Lexus NX 350 | $1,818 | $32 |
| 10 | Lincoln Corsair | $1,820 | $34 |
| 11 | Lexus NX 450h | $1,826 | $40 |
| 12 | BMW X1 | $1,838 | $52 |
| 13 | Alfa Romeo Tonale | $1,842 | $56 |
| 14 | Mercedes-Benz GLC300 | $1,844 | $58 |
| 15 | Lexus RZ 450e | $1,848 | $62 |
| 16 | Volvo XC60 | $1,852 | $66 |
| 17 | Audi Q3 | $1,868 | $82 |
| 18 | Land Rover Evoque | $1,878 | $92 |
| 19 | Volvo C40 | $1,894 | $108 |
| 20 | Infiniti QX55 | $1,958 | $172 |
| 21 | Mercedes-Benz GLA35 AMG | $1,964 | $178 |
| 22 | Genesis GV70 | $1,998 | $212 |
| 23 | Mercedes-Benz EQB 300 | $2,008 | $222 |
| 24 | Genesis GV60 | $2,010 | $224 |
| 25 | Mercedes-Benz GLA45 AMG | $2,020 | $234 |
| 26 | Alfa Romeo Stelvio | $2,028 | $242 |
| 27 | Audi Q5 | $2,042 | $256 |
| 28 | Land Rover Range Rover Velar | $2,050 | $264 |
| 29 | Mercedes-Benz EQB 350 | $2,052 | $266 |
| 30 | BMW X4 | $2,092 | $306 |
| 31 | Land Rover Defender | $2,098 | $312 |
| 32 | Jaguar F-Pace | $2,106 | $320 |
| 33 | Audi Q4 | $2,120 | $334 |
| 34 | Porsche Macan | $2,122 | $336 |
| 35 | BMW X3 | $2,132 | $346 |
| 36 | Jaguar I-Pace | $2,252 | $466 |
| 37 | Aston Martin DBX | $3,514 | $1,728 |
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 $2,510 per year for a 20-year-old driver and as much as $540 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 $2,182 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 $3,564 per year, while a 20-year-old female will pay an average of $2,630, a difference of $934 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,626 and the cost for female drivers is $1,596, a difference of only $30.
- Car insurance for teens is expensive. Average rates for full coverage NX 250 insurance costs $6,342 per year for a 16-year-old driver, $5,958 per year for a 17-year-old driver, $5,574 per year for an 18-year-old driver, and $5,062 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 $466 per year.