Lexus NX 450h Insurance Cost for 2023

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 $1,776 per year, or around $148 per month, for full coverage.
  • The cheapest NX 450h model to insure is the Plug-in Hybrid AWD model at $1,770 per year.
  • The NX 450h Plus-in Hybrid F Sport Handling AWD is the most expensive to insure at $1,780 per year.
  • Insurance for the NX 450h costs 7% less than the average rate for similar luxury SUV models.

How much does Lexus NX 450h insurance cost?

Plan on budgeting an average of $1,776 a year for full coverage to insure a Lexus NX 450h. For the average policy, collision insurance costs around $856 a year, liability and medical coverage costs around $484, and the remaining comprehensive (or other-than-collision) coverage will cost around $436.

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 $1,330 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $4,148 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 2023 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 December 30, 2022
Lexus NX 450h Car Insurance Rates
2023 Lexus NX 450h Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,964$247
$500$3,540$295
$250$4,148$346
30$1,000$1,560$130
$500$1,878$157
$250$2,212$184
40$1,000$1,482$124
$500$1,776$148
$250$2,082$174
50$1,000$1,356$113
$500$1,618$135
$250$1,894$158
60$1,000$1,330$111
$500$1,590$133
$250$1,862$155

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.

2023 Lexus NX 450h Insurance Cost by Trim Level
Lexus NX 450h Trim Level Annual Policy Six-Month Policy Per Month
Plug-in Hybrid AWD$1,770$885$148
Plus-in Hybrid F Sport Handling AWD$1,780$890$148

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 5, 2023
Lexus NX 450h Insurance Cost by Trim Level

Is insurance expensive on a Lexus NX 450h?

The Lexus NX 450h ranks 11th out of 37 comparison vehicles in the small luxury SUV segment for most affordable car insurance cost. The NX 450h costs an estimated $1,776 per year to insure for full coverage, while the segment average car insurance cost is $1,909 per year, a difference of $133 per year.

When compared side-by-side to other popular small luxury SUVs, auto insurance rates for a Lexus NX 450h average $300 less per year than the BMW X3, $214 less than the Audi Q5, and $22 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 37 models in the segment, with the NX 450h ranked and highlighted at 11th.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 December 30, 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$1,472-$304
2Cadillac XT4$1,592-$184
3Volvo XC40$1,622-$154
4Lexus UX 250h$1,650-$126
5Mercedes-Benz GLA250$1,712-$64
6Mercedes-Benz GLB 250$1,718-$58
7Lexus NX 250$1,740-$36
8Lexus NX 350h$1,760-$16
9Lexus NX 350$1,770-$6
10Lincoln Corsair$1,772-$4
11Lexus NX 450h$1,776--
12BMW X1$1,788$12
13Alfa Romeo Tonale$1,790$14
14Mercedes-Benz GLC300$1,798$22
15Lexus RZ 450e$1,802$26
16Volvo XC60$1,806$30
17Audi Q3$1,820$44
18Land Rover Evoque$1,828$52
19Volvo C40$1,846$70
20Infiniti QX55$1,908$132
21Mercedes-Benz GLA35 AMG$1,914$138
22Genesis GV70$1,944$168
23Mercedes-Benz EQB 300$1,954$178
24Genesis GV60$1,958$182
25Mercedes-Benz GLA45 AMG$1,968$192
26Alfa Romeo Stelvio$1,978$202
27Audi Q5$1,990$214
28Land Rover Range Rover Velar$1,996$220
29Mercedes-Benz EQB 350$2,000$224
30BMW X4$2,038$262
31Land Rover Defender$2,044$268
32Jaguar F-Pace$2,054$278
33Audi Q4$2,066$290
34Porsche Macan$2,070$294
35BMW X3$2,076$300
36Jaguar I-Pace$2,194$418
37Aston Martin DBX$3,424$1,648

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 $53 and $178 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 $2,486 per year for a 20-year-old driver and even as much as $532 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 $279 per year versus a lower credit score of 670-739. Conversely, a mediocre credit score could cost around $323 more per year.
  • Driver gender affects car insurance rates. For a 2023 Lexus NX 450h, a 20-year-old male driver receives an average rate of $3,540 per year, while a 20-year-old female driver pays an estimated $2,612, a difference of $928 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,618 and the cost for a female driver is $1,584, a difference of only $34.
  • 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 $300 per year on the cost of insuring a Lexus NX 450h.