- Lexus NX 250 insurance costs an average of $1,516 per year or around $126 per month, but rates can vary considerably based on driver age.
- Average insurance cost ranges from $1,506 to $1,530 annually for the average driver, depending on the drive train.
- The NX 250 ranks #4 out of 34 vehicles in the 2022 compact luxury SUV class for car insurance affordability.
How much are Lexus NX 250 car insurance rates?
Lexus NX 250 insurance rates average $1,516 yearly, or around $126 each month. Overall, expect to pay about $198 less annually for Lexus NX 250 insurance when compared to the average insurance rate for small luxury SUVs, and $51 less per year than the overall national average of $1,567 for all vehicles combined.
Average monthly insurance rates range from $126 to $128, with sticker price on the NX 250 ranging from $37,950 to $39,550 for the 2022 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 $1,142 per year for a driver age 60 with high deductibles to a high policy cost of $3,534 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 | 6-month Policy | Per Month |
|---|---|---|---|
| 2WD | $1,506 | $753 | $126 |
| AWD | $1,530 | $765 | $128 |
How does Lexus NX 250 car insurance cost rank?
The Lexus NX 250 ranks #4 out of 34 total vehicles in the small luxury SUV segment for auto insurance affordability. The NX 250 costs an estimated $1,516 per year to insure for full coverage and the segment median price is $1,714 per year, a difference of $198 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 $352 less per year than the BMW X3, $252 less than the Audi Q5, and $102 less than the Mercedes-Benz GLC300.
The next table ranks car insurance affordability for all 34 models in the 2022 compact SUV segment, with the Lexus NX 250 ranked and highlighted at #4.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,308 | -$208 |
| 2 | Cadillac XT4 | $1,340 | -$176 |
| 3 | Volvo XC40 | $1,466 | -$50 |
| 4 | Lexus NX 250 | $1,516 | -- |
| 5 | BMW X1 | $1,520 | $4 |
| 6 | Lexus NX 350h | $1,528 | $12 |
| 7 | Lexus UX 250h | $1,530 | $14 |
| 8 | Lexus NX 350 | $1,554 | $38 |
| 9 | Lexus UX 200 | $1,558 | $42 |
| 10 | Lexus NX 450h | $1,598 | $82 |
| 11 | Mercedes-Benz GLB 250 | $1,602 | $86 |
| 12 | Land Rover Evoque | $1,612 | $96 |
| 13 | Lincoln Corsair | $1,616 | $100 |
| 14 | Mercedes-Benz GLC300 | $1,618 | $102 |
| 15 | Mercedes-Benz GLA250 | $1,630 | $114 |
| 16 | Volvo C40 | $1,632 | $116 |
| 17 | Volvo XC60 | $1,640 | $124 |
| 18 | BMW X2 | $1,690 | $174 |
| 19 | Audi Q3 | $1,712 | $196 |
| 20 | Mercedes-Benz GLA35 AMG | $1,714 | $198 |
| 21 | Infiniti QX55 | $1,726 | $210 |
| 22 | Genesis GV70 | $1,746 | $230 |
| 23 | Mercedes-Benz GLA45 AMG | $1,766 | $250 |
| 24 | Audi Q5 | $1,768 | $252 |
| 25 | Audi Q4 | $1,790 | $274 |
| 26 | Land Rover Defender | $1,798 | $282 |
| 27 | Land Rover Range Rover Velar | $1,806 | $290 |
| 28 | Alfa Romeo Stelvio | $1,844 | $328 |
| 29 | BMW X3 | $1,868 | $352 |
| 30 | Porsche Macan | $1,932 | $416 |
| 31 | Jaguar I-Pace | $1,974 | $458 |
| 32 | Jaguar F-Pace | $2,026 | $510 |
| 33 | BMW X4 | $2,082 | $566 |
| 34 | Aston Martin DBX | $2,772 | $1,256 |
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 $2,130 per year for a 20-year-old driver and as much as $462 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 $1,852 or more per year.
- Gender affects car insurance rates. For a 2022 Lexus NX 250, a 20-year-old man pays an average price of $3,026 per year, while a 20-year-old female will pay an average of $2,234, a difference of $792 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,382 and the cost for female drivers is $1,354, a difference of only $28.
- Car insurance for teens is expensive. Average rates for full coverage NX 250 insurance costs $5,398 per year for a 16-year-old driver, $5,066 per year for a 17-year-old driver, $4,736 per year for a 18-year-old driver, and $4,298 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 $398 per year.
