- 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.
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.
| 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 |
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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,298 | -$286 |
| 2 | Cadillac XT4 | $1,330 | -$254 |
| 3 | Volvo XC40 | $1,456 | -$128 |
| 4 | Lexus NX 250 | $1,504 | -$80 |
| 5 | BMW X1 | $1,506 | -$78 |
| 6 | Lexus NX 350h | $1,514 | -$70 |
| 7 | Lexus UX 250h | $1,516 | -$68 |
| 8 | Lexus NX 350 | $1,542 | -$42 |
| 9 | Lexus UX 200 | $1,548 | -$36 |
| 10 | Lexus NX 450h | $1,584 | -- |
| 11 | Mercedes-Benz GLB 250 | $1,590 | $6 |
| 12 | Land Rover Evoque | $1,600 | $16 |
| 13 | Lincoln Corsair | $1,602 | $18 |
| 14 | Mercedes-Benz GLC300 | $1,604 | $20 |
| 15 | Volvo C40 | $1,618 | $34 |
| 16 | Mercedes-Benz GLA250 | $1,620 | $36 |
| 17 | Volvo XC60 | $1,626 | $42 |
| 18 | BMW X2 | $1,678 | $94 |
| 19 | Audi Q3 | $1,700 | $116 |
| 20 | Mercedes-Benz GLA35 AMG | $1,704 | $120 |
| 21 | Infiniti QX55 | $1,714 | $130 |
| 22 | Genesis GV70 | $1,734 | $150 |
| 23 | Mercedes-Benz GLA45 AMG | $1,754 | $170 |
| 24 | Audi Q5 | $1,756 | $172 |
| 25 | Audi Q4 | $1,776 | $192 |
| 26 | Land Rover Defender | $1,786 | $202 |
| 27 | Land Rover Range Rover Velar | $1,792 | $208 |
| 28 | Alfa Romeo Stelvio | $1,828 | $244 |
| 29 | BMW X3 | $1,854 | $270 |
| 30 | Porsche Macan | $1,918 | $334 |
| 31 | Jaguar I-Pace | $1,958 | $374 |
| 32 | Jaguar F-Pace | $2,012 | $428 |
| 33 | BMW X4 | $2,066 | $482 |
| 34 | Aston 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.
