- Lexus NX 350 car insurance rates average $2,348 per year (about $196 per month) for full coverage, but can vary based on deductibles and policy limits.
- The cheapest NX 350 to insure is the AWD model at an estimated $2,272 per year. The most expensive is the Luxury AWD model at $2,402 annually.
- The NX 350 ranks 12th out of 38 vehicles in the 2024 compact luxury SUV class for auto insurance affordability.
How much does Lexus NX 350 insurance cost?
Lexus NX 350 insurance costs around $2,348 yearly, or $196 on a monthly basis. With the average small luxury SUV costing $2,541 a year to insure, the NX 350 is $193 cheaper.
The bar chart below breaks down a summary of car insurance rates for a 2024 Lexus NX 350 using different driver ages and risk profiles (safe driver, high-risk driver, at-fault accidents). Middle-aged drivers with good driving records have the best chance at finding cheap car insurance for a Lexus NX 350, while younger and high-risk drivers will pay higher rates.
The next table details the estimated annual and 6-month insurance policy premiums, including a monthly budget figure, for each Lexus NX 350 trim level.
| 2024 Lexus NX 350 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,272 | $189 |
| Premium AWD | $2,340 | $195 |
| F Sport Handling AWD | $2,380 | $198 |
| Luxury AWD | $2,402 | $200 |
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
Does NX 350 insurance cost more than similar vehicles?
When compared to other small luxury SUVs, average insurance rates for a Lexus NX 350 cost $416 less per year than the BMW X3, $258 less than the Audi Q5, and $164 less than the Mercedes-Benz GLC300.
Ranking at 12th out of 38 total comparison vehicles in the small luxury SUV class for car insurance affordability, the NX 350 costs an average of $2,348 per year for a car insurance policy with full coverage. The class average auto insurance cost is $2,541 annually, a difference of $193 per year.
The next chart shows how insurance rates for a Lexus NX 350 fare against the most popular small luxury SUVs like the Acura RDX, Volvo XC60, and the Cadillac XT4. We also included a more comprehensive table after the chart detailing average car insurance prices for the entire 38 vehicle small luxury SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,958 | -$390 |
| 2 | Lexus NX 250 | $2,072 | -$276 |
| 3 | Cadillac XT4 | $2,114 | -$234 |
| 4 | Lexus NX 350h | $2,210 | -$138 |
| 5 | Lincoln Corsair | $2,236 | -$112 |
| 6 | Mercedes-Benz GLB 250 | $2,240 | -$108 |
| 7 | Lexus UX 250h | $2,246 | -$102 |
| 8 | Lexus NX 450h | $2,258 | -$90 |
| 9 | Mercedes-Benz GLA250 | $2,282 | -$66 |
| 10 | Mercedes-Benz GLA35 AMG | $2,290 | -$58 |
| 11 | Land Rover Evoque | $2,336 | -$12 |
| 12 | Lexus NX 350 | $2,348 | -- |
| 13 | Volvo XC40 | $2,356 | $8 |
| 14 | Volvo XC60 | $2,370 | $22 |
| 15 | Alfa Romeo Tonale | $2,376 | $28 |
| 16 | Mercedes-Benz GLA45 AMG | $2,388 | $40 |
| 17 | BMW X1 | $2,420 | $72 |
| 18 | Infiniti QX55 | $2,424 | $76 |
| 19 | Volvo C40 | $2,442 | $94 |
| 20 | BMW X2 | $2,452 | $104 |
| 21 | Lexus RZ 450e | $2,478 | $130 |
| 22 | Mercedes-Benz EQB 300 | $2,492 | $144 |
| 23 | Mercedes-Benz GLC300 | $2,512 | $164 |
| 24 | Mercedes-Benz EQB 350 | $2,552 | $204 |
| 25 | Genesis GV70 | $2,582 | $234 |
| 26 | Audi Q3 | $2,596 | $248 |
| 27 | Audi Q5 | $2,606 | $258 |
| 28 | Alfa Romeo Stelvio | $2,630 | $282 |
| 29 | Land Rover Range Rover Velar | $2,660 | $312 |
| 30 | BMW X4 | $2,712 | $364 |
| 31 | Audi Q4 | $2,736 | $388 |
| 32 | BMW X3 | $2,764 | $416 |
| 33 | Genesis GV60 | $2,848 | $500 |
| 34 | Porsche Macan | $2,894 | $546 |
| 35 | Jaguar I-Pace | $2,926 | $578 |
| 36 | Land Rover Defender | $3,042 | $694 |
| 37 | Jaguar F-Pace | $3,130 | $782 |
| 38 | Aston Martin DBX | $4,562 | $2,214 |
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 26, 2025
Another useful comparison is to see how average insurance cost compares between the NX 350 and the compact luxury SUVs with the most similar MSRP or sales price.
A Lexus NX 350 has an average MSRP of $47,938 and ranges from $44,365 to $50,505.
The vehicles in the compact luxury SUV segment closest in cost to the Lexus NX 350 for the 2024 model year are the Lexus NX 350h, Acura RDX, Mercedes-Benz GLC300, and BMW X2.
The list below shows how those models compare to a Lexus NX 350 by both average MSRP and insurance policy cost.
- Lexus NX 350 vs. Lexus NX 350h – With an average price of $47,678 and ranging from $44,615 to $50,755, the 2024 Lexus NX 350h costs $260 less than the average sticker price for the Lexus NX 350. Expect to pay an average of $138 less every 12 months to insure the Lexus NX 350h compared to a NX 350.
- Lexus NX 350 vs. Acura RDX – The 2024 Acura RDX has an average sticker price of $47,400, ranging from $44,615 to $53,750, which is $538 cheaper than the average cost of the Lexus NX 350. Car insurance for the Acura RDX costs an average of $390 less annually than the Lexus NX 350.
- Lexus NX 350 vs. Mercedes-Benz GLC300 – New off the lot, the sticker price on the 2024 Mercedes-Benz GLC300 averages $538 less than the Lexus NX 350 ($47,400 compared to $47,938). Anticipate paying around $164 more each year to insure the Mercedes-Benz GLC300 compared to a NX 350.
- Lexus NX 350 vs. BMW X2 – The BMW X2 has an average sticker price of $46,700 ($42,000 to $51,400), which is $1,238 cheaper than the average sticker price for the Lexus NX 350. Expect to pay around $104 more every 12 months to insure the BMW X2 compared to a NX 350.