- Lexus NX 450h insurance costs an average of $2,258 per year, or around $188 per month, for full coverage.
- The cheapest NX 450h model to insure is the Plug-in Hybrid AWD model at $2,250 per year.
- The NX 450h Plug-in Hybrid F Sport Handling AWD is the most expensive to insure at $2,266 per year.
- Insurance for the NX 450h costs 11.8% less than the average rate for similar luxury SUV models.
How much does Lexus NX 450h insurance cost?
Plan on budgeting an average of $2,258 a year for full coverage to insure a Lexus NX 450h. For the average policy, collision insurance costs around $1,150 a year, liability and medical coverage costs around $516, and the remaining comprehensive (or other-than-collision) coverage will cost around $592.
The price summary chart below details how NX 450h car insurance costs can differ based on driver age group and a range of policy deductibles. Premiums range from $1,544 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $5,352 per year for a 20-year-old driver with low policy deductibles.
The next table displays the estimated annual and 6-month policy costs, including a monthly amount for budgeting, for each Lexus NX 450h package and trim.
| 2024 Lexus NX 450h Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Plug-in Hybrid AWD | $2,250 | $188 |
| Plug-in Hybrid F Sport Handling AWD | $2,266 | $189 |
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
Is insurance expensive on a Lexus NX 450h?
The Lexus NX 450h ranks eighth out of 38 comparison vehicles in the small luxury SUV segment for most affordable car insurance cost. The NX 450h costs an estimated $2,258 per year to insure for full coverage, while the segment average car insurance cost is $2,541 per year, a difference of $283 per year.
When compared side-by-side to other popular small luxury SUVs, auto insurance rates for a Lexus NX 450h average $506 less per year than the BMW X3, $348 less than the Audi Q5, and $254 less than the Mercedes-Benz GLC300.
The following chart shows how average NX 450h car insurance cost compares to the most popular compact luxury SUVs. A table is also included after the chart that illustrates insurance rate comparisons for all 38 models in the segment, with the NX 450h ranked and highlighted at eighth.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,958 | -$300 |
| 2 | Lexus NX 250 | $2,072 | -$186 |
| 3 | Cadillac XT4 | $2,114 | -$144 |
| 4 | Lexus NX 350h | $2,210 | -$48 |
| 5 | Lincoln Corsair | $2,236 | -$22 |
| 6 | Mercedes-Benz GLB 250 | $2,240 | -$18 |
| 7 | Lexus UX 250h | $2,246 | -$12 |
| 8 | Lexus NX 450h | $2,258 | -- |
| 9 | Mercedes-Benz GLA250 | $2,282 | $24 |
| 10 | Mercedes-Benz GLA35 AMG | $2,290 | $32 |
| 11 | Land Rover Evoque | $2,336 | $78 |
| 12 | Lexus NX 350 | $2,348 | $90 |
| 13 | Volvo XC40 | $2,356 | $98 |
| 14 | Volvo XC60 | $2,370 | $112 |
| 15 | Alfa Romeo Tonale | $2,376 | $118 |
| 16 | Mercedes-Benz GLA45 AMG | $2,388 | $130 |
| 17 | BMW X1 | $2,420 | $162 |
| 18 | Infiniti QX55 | $2,424 | $166 |
| 19 | Volvo C40 | $2,442 | $184 |
| 20 | BMW X2 | $2,452 | $194 |
| 21 | Lexus RZ 450e | $2,478 | $220 |
| 22 | Mercedes-Benz EQB 300 | $2,492 | $234 |
| 23 | Mercedes-Benz GLC300 | $2,512 | $254 |
| 24 | Mercedes-Benz EQB 350 | $2,552 | $294 |
| 25 | Genesis GV70 | $2,582 | $324 |
| 26 | Audi Q3 | $2,596 | $338 |
| 27 | Audi Q5 | $2,606 | $348 |
| 28 | Alfa Romeo Stelvio | $2,630 | $372 |
| 29 | Land Rover Range Rover Velar | $2,660 | $402 |
| 30 | BMW X4 | $2,712 | $454 |
| 31 | Audi Q4 | $2,736 | $478 |
| 32 | BMW X3 | $2,764 | $506 |
| 33 | Genesis GV60 | $2,848 | $590 |
| 34 | Porsche Macan | $2,894 | $636 |
| 35 | Jaguar I-Pace | $2,926 | $668 |
| 36 | Land Rover Defender | $3,042 | $784 |
| 37 | Jaguar F-Pace | $3,130 | $872 |
| 38 | Aston Martin DBX | $4,562 | $2,304 |
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
Additional rates and discounts
More noteworthy data insights regarding the cost of insurance for a Lexus NX 450h include:
- Your employment could reduce your rates. The vast majority of auto insurance providers offer discounts for earning a living in occupations like architects, high school and elementary teachers, dentists, nurses, doctors, and others. Working in a qualifying occupation may save between $68 and $228 on your yearly NX 450h insurance bill, subject to the policy coverages selected.
- Negligent driving raises insurance rates. Having frequent accidents may increase rates, as much as $3,188 per year for a 20-year-old driver and even as much as $508 per year for a 60-year-old driver.
- Good credit scores mean better rates. Drivers with high 800+ credit scores could save a minimum of $355 per year versus a lower credit score of 670-739. Conversely, a mediocre credit score could cost around $411 more per year.
- Driver gender affects car insurance rates. For a 2024 Lexus NX 450h, a 20-year-old male driver receives an average rate of $4,530 per year, while a 20-year-old female driver pays an estimated $3,236, a difference of $1,294 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,988 and the cost for a female driver is $1,946, a difference of only $42.
- Policy discounts mean cheaper NX 450h insurance. Discounts may be available if the policyholders are military or federal employees, belong to certain professional organizations, are claim-free, insure their home and car with the same company, or many other discounts which could save the average driver as much as $382 per year on the cost of insuring a Lexus NX 450h.