Lexus NX 450h Insurance Cost for 2022

How much does NX 450h car insurance cost? We rank the compact luxury hybrid SUV against the competition to see how insurance rates compare.

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  • Lexus NX 450h insurance costs an average of $1,584 per year, or around $132 per month, for full coverage.
  • The cheapest NX 450h model to insure is the Plug-in Hybrid AWD model at $1,578 per year.
  • The NX 450h Plus-in Hybrid F Sport Handling AWD is the most expensive to insure at $1,590 per year.
  • Insurance for the NX 450h costs 6.9% less than the average rate for similar luxury SUV models.

How much does Lexus NX 450h insurance cost?

Plan on budgeting an average of $1,584 a year for full coverage to insure a Lexus NX 450h. For the average policy, collision insurance costs around $764 a year, liability and medical coverage costs around $432, and the remaining comprehensive (or other-than-collision) coverage will cost around $388.

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 $1,188 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $3,702 per year for a 20-year-old driver with low policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Lexus NX 450h 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 450h trim levels.Data last updated on April 14, 2022
Lexus NX 450h Car Insurance Rates
Lexus NX 450h Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,648$221
$500$3,160$263
$250$3,702$309
30$1,000$1,394$116
$500$1,678$140
$250$1,976$165
40$1,000$1,324$110
$500$1,584$132
$250$1,858$155
50$1,000$1,208$101
$500$1,444$120
$250$1,692$141
60$1,000$1,188$99
$500$1,420$118
$250$1,662$139

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.

2022 Lexus NX 450h Insurance Cost by Trim Level
Lexus NX 450h Trim Level Annual Policy 6-month Policy Per Month
Plug-in Hybrid AWD$1,578$789$132
Plus-in Hybrid F Sport Handling AWD$1,590$795$133

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus NX 450h, 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 19, 2022
Lexus NX 450h Insurance Cost by Trim Level

Is insurance expensive on a Lexus NX 450h?

The Lexus NX 450h ranks #10 out of 34 comparison vehicles in the small luxury SUV segment for most affordable car insurance cost. The NX 450h costs an estimated $1,584 per year to insure for full coverage, while the segment average car insurance cost is $1,701 per year, a difference of $117 per year.

When compared side-by-side to other popular small luxury SUVs, auto insurance rates for a Lexus NX 450h average $270 less per year than the BMW X3, $172 less than the Audi Q5, and $20 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 34 models in the segment, with the NX 450h ranked and highlighted at #10.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus NX 450h, 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, which is averaged for all Lexus NX 450h trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 8, 2022
Lexus NX 450h vs Top 10 Small Luxury SUVs Insurance Cost Comparison
Lexus NX 450h Insurance Cost Compared to All Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,298-$286
2Cadillac XT4$1,330-$254
3Volvo XC40$1,456-$128
4Lexus NX 250$1,504-$80
5BMW X1$1,506-$78
6Lexus NX 350h$1,514-$70
7Lexus UX 250h$1,516-$68
8Lexus NX 350$1,542-$42
9Lexus UX 200$1,548-$36
10Lexus NX 450h$1,584--
11Mercedes-Benz GLB 250$1,590$6
12Land Rover Evoque$1,600$16
13Lincoln Corsair$1,602$18
14Mercedes-Benz GLC300$1,604$20
15Volvo C40$1,618$34
16Mercedes-Benz GLA250$1,620$36
17Volvo XC60$1,626$42
18BMW X2$1,678$94
19Audi Q3$1,700$116
20Mercedes-Benz GLA35 AMG$1,704$120
21Infiniti QX55$1,714$130
22Genesis GV70$1,734$150
23Mercedes-Benz GLA45 AMG$1,754$170
24Audi Q5$1,756$172
25Audi Q4$1,776$192
26Land Rover Defender$1,786$202
27Land Rover Range Rover Velar$1,792$208
28Alfa Romeo Stelvio$1,828$244
29BMW X3$1,854$270
30Porsche Macan$1,918$334
31Jaguar I-Pace$1,958$374
32Jaguar F-Pace$2,012$428
33BMW X4$2,066$482
34Aston Martin DBX$2,750$1,166

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 $48 and $158 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 $2,222 per year for a 20-year-old driver and even as much as $478 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 $249 per year versus a lower credit score of 670-739. Conversely, a mediocre credit score could cost around $288 more per year.
  • Driver gender affects car insurance rates. For a 2022 Lexus NX 450h, a 20-year-old male driver receives an average rate of $3,160 per year, while a 20-year-old female driver pays an estimated $2,330, a difference of $830 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,444 and the cost for a female driver is $1,416, a difference of only $28.
  • 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 $266 per year on the cost of insuring a Lexus NX 450h.